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Heritage Property Specialists

Specialist Insurance for Listed Building Renovations

Protect your heritage property during restoration, refurbishment, or structural works — with cover designed by brokers who understand listed buildings.
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  • Grade I, II & II* expertise
  • Specialist insurer panel
  • Bespoke underwriting

Independent UK Broker

Whole-of-market access

Specialist Insurer Panel

Heritage & non-standard risk

Heritage Property Experts

Grade I, II & II* listings

Grade I · II · II*
All listing classes covered

What is it?

Insurance built around heritage

Rent Guarantee Insurance ensures you continue receiving rental income even when tenants default — and covers the legal expenses required to recover possession of your property.
  • Designed for Grade I, II and II* listed properties
  • Covers risks during renovation and restoration works
  • Reflects strict regulations and higher rebuild costs

What it covers

Comprehensive protection for every stage

Structural Works & Renovations

Cover for the full scope of approved structural changes.

Accidental Damage in Construction

Protection from on-site mishaps during the works.

Theft or Damage to Materials

Stored and on-site materials covered against loss.

Public Liability During Works

Protection against third-party injury or property claims.

Non-Standard Rebuild Costs

Realistic sums insured reflecting heritage rebuild values.

Specialist Materials & Craftsmanship

Like-for-like cover for traditional methods and detail.

Who it's for

Trusted by custodians of heritage

Listed Property Owners

Private homeowners with listed residences.

Property Investors

Heritage redevelopment portfolios.

Restoration Specialists

Heritage trades and conservation firms.

Listed-Property Contractors

Builders working on protected sites.

Unique risks

Why standard cover falls short

Listed Property Owners

Private homeowners with listed residences.

Expensive materials and skilled labour

Lime mortar, hand-cut stone and traditional joinery cost a multiple of modern equivalents.

Risk of structural damage

Older buildings carry hidden weaknesses that emerge once works begin.

Difficult to insure on the high street

Mainstream insurers routinely decline cover for protected properties undergoing works.

Why choose us

The broker heritage owners trust

Niche Insurer Access

Direct lines to underwriters who write heritage risks.

Tailored to Your Project

Cover matched to renovation scope and timeline.

Heritage Experience

Years placing complex listed-property cases.

Claims & Documentation

Full support through the entire claims journey.
How It Works

From first conversation to
confirmed cover

1

Discuss Your Project

Tell us about your listed property and planned works.
2

Risk Assessment

We collect plans, listings detail and contractor info.
3

Insurer Matching

We approach specialist underwriters best suited to the risk.
4

Tailored Quote

Receive bespoke terms covering the full renovation period.

Case study

"Three brokers said no. They said yes — with the right cover."

Eleanor inherited a Grade II listed Georgian rectory in the Cotswolds and planned an 18-month sympathetic restoration — re-roofing in handmade clay tiles, lime re-pointing and replacing rotten sash windows like-for-like.

Three mainstream brokers declined. The combination of listed status, prolonged works and elevated rebuild value sat outside their underwriting appetite.

Within a fortnight we presented the project to a specialist heritage underwriter, agreed bespoke renovation terms and arranged cover spanning the full programme — including stored materials and public liability for her conservation contractor.

“They understood the project, the regulations and the craftsmen. It felt like dealing with a fellow custodian.”
— Eleanor M., Homeowner, Cotswolds
Common Questions

Frequently Asked Questions

Yes. Standard buildings policies typically exclude or limit cover during structural works on listed properties. A specialist renovation policy ensures the works themselves, the existing structure and your liabilities are all properly covered.
Yes — provided the works have appropriate Listed Building Consent and are carried out by competent contractors. We tailor each policy to the scope of your project.
Listed Building Consent (and any required planning permission) should be in place before works begin. We can usually arrange cover in parallel with consent applications, ready to incept once approval is granted.
Yes. We frequently arrange cover for projects already underway, subject to a survey of works completed to date and confirmation of the contractor’s credentials.
Most contractors carry their own public and employer’s liability cover. Our policies sit alongside this, protecting you as the property owner from gaps and from your own liabilities as principal.
Properties that remain partially occupied during renovation can be covered, with terms reflecting the increased risk. We discuss this case-by-case.

Protect your restoration project today

Bespoke listed-building cover, arranged by a specialist heritage broker.
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