An understanding of historic buildings

We have a special department staffed by experienced brokers who understand the complexities of historic buildings, whether these be country pubs, stately homes, castles or world heritage sites. Heritage buildings exist in significant numbers. Some are country homes; others function as shops, theatres, museums and offices.

Although many property owners rely on the historic nature and appearance of their properties to attract customers, many do not protect this aspect of their property or may not have considered the impact on their business should they be unable to restore the property in the event of a loss. Because a heritage building has such an impact on a business, establishing the sum to be insured is a complicated process, as is restoration of the building following damage caused by an insured event.

Five good reasons to ask us about heritage insurance:

1. Many heritage risks are not insured correctly: they are either under or over insured
2. Full range of risk management services
3. All commercial covers are available
4. Cover is available for businesses owning or operating from heritage buildings and will protect the heritage characteristics by supporting sympathetic restoration following loss
5. A wide range of businesses across all trades can be insured.

If you have any queries or questions about Pharos, we are always happy to help. For a competitive quote, call 01304 209000.

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