Mixed Use 

For developments that include residential and commercial elements in the same structure, you can avoid the gaps in your building defects cover with a combined policy from one insurer.

We bring the unique features of our residential and commercial insurance policies together in one place, providing the following benefits:

One simple proposal form One simple proposal form 
 

	All the information we need from you to offer a quotation on a scheme can be submitted on one form - there is no membership registration, consideration of financial or performance records, no rating methodology or guarantees, bonds or indemnities. Download a proposal form.

Straightforward and sensible pricing Straightforward and sensible pricing 
 

	Insurance rates are based on contract value - your rates are unaffected by the location of the scheme or property prices in the area - they simply reflect the risk of the scheme based on contract value and scope of cover.

Residential cover that meets lender requirements Residential cover that meets lender requirements 
 

	The products are approved by the majority of UK mortgage lenders.

Insurance cover that starts from practical completion Insurance cover that starts from practical completion 
 

	There is no 2 year exclusion period - the property owner has direct access to insurance cover for defects from day 1.

Cover up to the full value of the structure Cover up to the full value of the structure 
 

	There is no shortfall on the cover limits - this means that large schemes are covered fully and individual buyers within them do not face pro-rating or underinsurance for their particular property.

Policy terms tailored for the different elements Policy terms tailored for the different elements 
 

	Lender approved residential products can be offered alongside bespoke commercial products, with relevant excesses, limits and heads of cover, all from a single insurer so that the insurance is relevant to the development.