With this heritage insurance guide, you can find out why you should work with an insurer voted the best by brokers*

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1 With this heritage insurance guide, you can find out why you should work with an insurer voted the best by brokers* That s the Ecclesiastical Advantage

2 About us We have been helping to protect heritage properties in the UK for more than 125 years and have unrivalled experience in insuring, valuing and providing risk management advice for listed, ancient, contemporary and architecturally significant buildings. In addition to our specialist surveyors, we have a dedicated fine art and heritage team which includes experts in fine art, heritage properties, estates and claims management. We insure some of the country s most important historic buildings, insuring more grade I listed buildings than any other insurer. We have been consistently voted the best heritage insurer by brokers* and work with many heritage organisations and associations supporting the future of our heritage. What makes us different We re owned by a charity: We are owned by registered charity AllChurches Trust, and over the past five years we ve provided over 55m to charity, making us one of the top 10 corporate donors in the UK**. We re more than just an insurer: We are committed to helping protect your clients, offering professional valuations and award-winning risk management advice. We care about the details: Our unique vision is to advise and protect those who enrich the lives of others. Our personal touch means we treat our customers the way we d like to be treated with integrity, empathy, respect, whilst providing expert knowledge and advice. Our employees: Ecclesiastical employees are a prime example of pushing the boundaries of contribution. In 2013/2014, they rolled up their sleeves and donated over 5,100 hours and 158,000 to local charities. * Research carried out by FWD, an independent market research company. Ecclesiastical was named the best insurer for Heritage insurance between ** 2013/14 Guide to UK Company Giving. Financially secure: Ecclesiastical has financial strength. An A- rating from Standard & Poor s reflects strong capital and strong niche competitive position in our markets. AM Best have given us an A rating. Heritage expertise: We insure more Grade I listed buildings than any other insurer. We re also involved in 9 world heritage sites and 8 out of 10 treasure houses in the UK..

3 Insuring Heritage From museums and concert halls to stately homes and professional bodies and associations the diverse heritage market requires a specialist insurer and a dedicated, flexible Heritage Insurance product. Our expert heritage underwriters can work closely with you to tailor policies - ensuring each client gets the Heritage Insurance cover they need, at competitive premiums. Our Heritage Commercial Insurance is designed for anyone who: n Owns a heritage property used for commercial purposes n Is responsible for a heritage property such as a museum n Has a business based in a heritage property n Runs a business based in a special building of historical or architectural interest n Runs a heritage organisation or contemporary arts and culture focused organisation. Heritage definition: We define heritage as including buildings, artefacts, monuments, sites, or activities that have archaeological, historical, architectural, cultural, engineering or scientific significance. This means we include buildings of modern or unusual design, as well as buildings with architectural merit. Some buildings may be considered to be heritage simply because they re in a conservation area. Our specialist covers for buildings of historical or architectural interest, contents, exhibits and fine art include: n Specific heritage clauses included under property damage and business interruption following our years of experience in insuring these buildings. n Strong capacity for larger exposures for both buildings/ contents and Fine Arts and Collections. n Meeting local authority conditions under the Planning (Listed Buildings and Conservation Areas) Act 1990 n Legal expenses, employers liability, public liability, trustee indemnity, loss of license and equipment breakdown. Collaboration We work closely with leading heritage sector bodies and organisations to stay close to emerging risks and adapt our cover and service accordingly. Some of the heritage sector bodies we re lucky to work with include: English Heritage Working together for over 20 years, sharing technical knowledge, resources and our expertise of heritage buildings, to help protect the nation s built heritage. Heritage Alliance The Heritage Alliance is the biggest alliance of heritage interests in the UK. We support Annual Heritage Days, AGMs and have been sponsoring the Heritage Alliance s debate series. What matters in insurance is providing the proper protection when it really matters. We understand that heritage risks come in all shapes and sizes, which is why our staff are immersed in the heritage sector, constantly developing their skills and expertise. That s the Ecclesiastical Advantage

4 Specialist cover We understand that heritage risks come in all shapes and sizes. There are three main areas which benefit from special cover. Arts & Culture Arts & Culture is a large and growing sector of the heritage market, encompassing everything from museums and theatres to fine art and collections. Voted best insurance provider in 2014 for Libraries, Theatres and for the last 3 years for Museums* we have a deep understanding of the market and its insurance needs. Our experience has helped us to shape the cover we provide to this sector, benefitting from a range of heritage commercial covers and more specifically: n Specialist Fine Art covers available which includes cover for antiques, collectables, exhibits and items on loan n Trustee Indemnity Insurance n Equipment breakdown cover included as standard n Loss of license cover included as standard n Business interruption covers available as appropriate for your operation including extensions such as failure of suppliers, failure of safety curtain, failure of computerised booking systems and pre-production expenditure. If your client has a significant art collection our specialist Fine Art team, including art historians with knowledge of the art market, can provide advice on art, antiques and collections, with complete discretion and confidentiality. Arts & Culture definition: Organisations that provide a platform for the enjoyment of artistic and social activities, beliefs, values and/or traditions. These may also be used to enlighten or educate others. An example of our risk appetite. n Theatres n Galleries n Museums n Libraries n Cinemas n Fine art, collections and antiques * Research carried out by FWD, an independent market research company. Ecclesiastical was named the best insurer for Libraries, Theatres in 2014 and Museums between

5 Historic Britain Historic Britain is a diverse area of Heritage. Ecclesiastical has over 125 years experience insuring historic buildings and prestigious risks including more Grade I listed buildings than anyone else, involvement in 9 world heritage sites and 8 out of 10 treasure houses in the UK. We combine our heritage commercial insurance with covers specifically designed for the Historic Britain. Including: n Capacity for large risks n Specialist covers available for Arts, Antiques and all types of Collectables n Provision of personal contents covers (including Personal Liability Cover) n Volunteers included as employees for most covers n Specific heritage clauses included under property damage and business interruption following our years of expertise in insuring these buildings n Trustee Indemnity Insurance available. Historic Britain definition: Any organisation that contributes to the UKs heritage legacy or is architecturally unique. An example of our risk appetite. n Historic Houses and Stately Homes n Castles and Palaces n Monuments n Buildings of architectural significance Heritage Business & Leisure Many businesses run from historic or architecturally significant buildings and require more than a standard commercial insurance product. We provide specialist insurance cover tailored to protect your clients business and hold some of the UK s most sought after risks in the UK. We combine our heritage commercial insurance with covers specifically designed for the Business & Leisure. Including: n Specific Heritage Clauses included under Property Damage and Business Interruption following our years of expertise in insuring these buildings n Equipment breakdown cover included as standard n Loss of License cover included as standard n Contract Works cover up to 100,000 included as standard n Business Interruption cover available as appropriate for your business whether it be loss of rent, profits, income/ revenue. Heritage Business & Leisure definition: Business - Owner occupied businesses that are heritage in operation or business located within a building of heritage/architectural significance. Specialist insurance cover tailored to protect your clients business. Leisure - Organisations that provide a place for visitors to enjoy in their own leisure time. The owner understands the significance of the building/ heritage feature to their business, and it is a key aspect on which it trades. An example of our risk appetite. n Hotels n Spas and retreats n Retail n Offices * Terms and conditions apply.

6 Services Experienced team of risk surveyors and consultants A different approach n Our in-house team of surveyors and consultants provide a highly bespoke service. We are able to complete a combined risk management survey assessment and valuation, which is an efficient use of time for everyone. Your client will have a dedicated point of contact within our risk team throughout their period of insurance. n With expertise in surveying everything from almshouses to world heritage sites, our surveyors are very familiar with the needs, restrictions and issues facing your clients. They can offer practical advice and also produce guidance notes to assist your client in managing their risks. n The team are up to date with current legislation and issues arising within the heritage market. This means they re able to understand the specific insurance-related risk management issues for your clients. Specialist building valuation service at no additional cost* Our experience of providing a buildings valuation service goes back to It s a service that s increasingly rare among insurers, but we believe it s an essential part of making sure that your clients get the insurance they expect and deserve. We can help them reduce the risk of being underinsured. Our in-house team of highly-skilled and qualified surveyors can provide, at no additional cost*, a buildings valuation service so you can be sure that your clients have adequate buildings cover. And, if we find that they were previously over-insured, they could save money through a reduction in premiums. A dedicated claims team People only really get to know their insurer when they make a claim. That s why we re dedicated to ensuring the highest levels of customer satisfaction. We re proud that 100% of brokers say they are satisfied with our service, technical knowledge and professionalism, whilst 97% are satisfied with the speed and explanation of the settlement of claims.** Our approach is to support your clients when the worst happens: n We are experts in claims and specialists in the Heritage sector. n We ll make sure we understand your client s needs and identify how we can help. n We aim to settle claims quickly and fairly, defending casualty claims robustly where we have the evidence to do so. n We ll keep it simple, guiding and assisting your client through the claims process. n We choose our suppliers carefully, only working with proven specialists and only appointing them where they will add value for both us and your client. n Delivery underpinned by transparent Service Level Agreements. n We ll work in true partnership with you and your clients. A developed level of understanding and expertise in our niches, offers peace of mind to brokers and their clients across underwriting, survey and most importantly at point of claim That s the Ecclesiastical Advantage With a directly employed team of over fifty Surveyors and Consultants in the field, we retain one of the strongest risk teams in the market. That s the Ecclesiastical Advantage * Terms and conditions apply. **Ecclesiastical claims satisfaction survey

7 Guidance, advice and support Our in-house experts understand the issues that running a business or owning a heritage building can bring. We re committed to using our insight and knowledge to produce practical advice and tools to help our brokers and customers understand and manage their risks. Visit our broker hub for further information

8 Getting in touch London and South East Tel: Central and South West Tel: Northern Tel: Fine Art Tel: Beaufort House, Brunswick Road, Gloucester GL1 1JZ FOR BROKER USE ONLY Ecclesiastical Insurance Office plc (EIO) Reg. No Registered in England at Beaufort House, Brunswick Road, Gloucester, GL1 1JZ, UK. EIO is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Ecclesiastical Insurance Office plc 2015 ME760/1/0915