Premium Insurance for Private Clients.

Premium Insurance for Private Clients

Premium insurance is a necessity for High Net Worth Individuals and their families, given that ‘off the peg’ insurance policies often don’t provide sufficient cover for their unique needs and requirements. For these customers, the services of an experienced specialist broker are required to provide trusted and comprehensive advice, and to source policies that are appropriate to fully protect the homes and possessions of High Net Worth Individuals.

In addition to insurance to protect Properties and Personal Possessions, Lumley Insurance can provide and source specialist insurance for Fine Art, Antiques and Valuables to deliver highly tailored cover for specific and unique items and collections. Cover can also be provided for Holiday Homes, High Value Cars, and Boats and Yachts. Tailored Travel Insurance can also be sourced for specific travel needs.

For Properties of non-standard construction (i.e. thatched or some timber-framed properties) specialist Home Insurance can be hard to locate. Lumley Insurance can help ensure that a suitable insurance policy that appropriately covers a non-standard property can be located – one that takes into account sufficient re-build costs, should the property ever be damaged. Lumley Insurance can also help to find specialist insurers for Listed Properties too, a necessity if you live in a property of significant architectural or historical significance as ‘off the peg’ insurance solutions rarely meet the unique needs of these types of property.

All of the insurance products that Lumley Insurance offer can be tailored to individual lifestyles and specific needs, and should help to bring customers greater peace of mind should the worst ever happen to their home or possessions. Lumley Insurance work hard to ensure that all customer properties and possessions are adequately covered by appropriate and comprehensive insurance policies, and always use our extensive knowledge and experience gained from the last four generations in this industry to ensure customers receive the very highest quality cover and customer care.


Premium Insurance


High Net Worth individuals and their families often have insurance requirements that go beyond the ordinary, that do not fit off-the-peg and on-line traded products, and require the services of a specialist broker to provide advice and guidance and to source the correct policies for you.

In addition to your Home and Personal Possessions, specialist cover is available for your Fine Art, Antiques and Valuables.

If your property is of non-standard construction, such as Thatched, we can help. If it is listed, there are specialist insurers that understand the requirements of historic properties.

In addition, cover can be provided for Holiday Homes, High Value Cars, Boats & Yachts and Travel insurance.

All these products can be built to suit your individual lifestyle and to ensure that if the worse happens everything is fully covered.


Blocks of Flats and Apartments


Blocks of Flats and Apartments have unique insurance requirements. The Residents Management Company or Residents Association generally has the responsibility for purchasing comprehensive insurance for the whole Building, including Loss of Rent & Alternative Accommodation costs following a claim, and the Liabilities associated with the property.

These policies are packaged to include many extra covers tailored to Blocks of Flats.

In addition to cover for the Building, you should carefully consider additional covers such as Terrorism and Directors & Officers Liability insurance. If you have a Lift or other plant, you will need to have these inspected, and we can also provide policies to cover this.

When insuring the property on behalf of all the owners, it is essential that it is insured for the correct re-building cost in order to avoid possible costly under-insurance penalties (and in turn claims of negligence against the directors). To help with this, we can recommend a Property Valuation service at discounted rates.


Property Owners


We can quote on any type of property, however big or small, and whatever the occupancy.

If you have a claim, you want peace of mind that your assets are comprehensively and correctly covered, and that they are placed with a reputable insurer with a reliable claims service.

When insuring your property, it is important that the insured value accurately reflects the re-instatement cost of the building at today’s costs, including allowances for site clearance and professional fees following a large loss.

Loss of Rent cover is essential to protect your income should the property be uninhabitable following a claim. Consideration needs to be given to how long it would take to re-instate the property following a large loss.

Property Owners Liability is included to protect you should third-parties pursue you for losses for which you are legally liable as owner of the property.


Business & Professional


All businesses require insurance of some sort, from basic Public Liability cover for self-employed trades people to complex commercial polices providing bespoke cover to specialist companies.

As members of The Broker Network we have access to a large selection of markets, including Lloyds of London, enabling us to source cover for a huge variety of commercial insurance risks.

It is essential your business insurance is arranged on the correct basis, with adequate protection for your physical assets, the correct calculation for business interruption cover, and generous limits for your legal liabilities. Many extra covers are available specific to different trades.

Whether you are a small business that suits a ‘package’ policy, or a complex business that needs a tailor-made solution, we will discuss your requirements in detail, and do the hard work of selecting the right cover and insurer for you.

Our panel of insurers are all A-rated for financial security.


Find out more

If you'd like to know more please contact us directly on 01285 885 885 to discuss your requirements in more detail.


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