Listed Building Insurance

The proof of any insurance is its response to a claim, and we only arrange insurances that can be relied upon to pay.

We work with underwriters who understand the nature of what they are insuring, the particular risks, and how to make good in the event of a loss.

For our part, we oversee all claims from start to finish, using our considerable experience and contacts to achieve the best possible claim settlements.We are proud of our ability to settle the most complex claims for fine art, especially those involving damage, restoration and subsequent loss of value.

We are equally well equipped to help in the aftermath of a fire or flood, from arranging appropriate disaster recovery, to negotiating the right form of settlement.  The majority of claims are, however, straightforward, and we aim to settle  quickly and cleanly.

In the realm of art insurance, your choice of broker is pivotal. While larger multinational firms have their merits, discover why selecting a small, specialised broker like Hallett Independent can redefine your insurance experience.
‍
1.  Approach To Claims: Say goodbye to bureaucracy. Our in-house team, dedicated to your claims, navigates negotiations with precision and fights for your interests. As an independent entity, we prioritise your needs without external pressures.
‍
2. Specialisation In Art Insurance: Hallett Independent focuses exclusively on art insurance, bringing a depth of understanding to the unique risks and requirements of the art world. Your art deserves specialised attention, and that’s exactly what you get.

3.  Personalised Service: Ever felt like just another number in a big system? With Hallett, it’s personal. Our boutique status ensures a level of personalised service that larger firms often struggle to match. Direct access to decision-makers means your needs are heard and addressed promptly.

4.  Flexibility And Customisation: Your art insurance requirements will be unique, and so should be your insurance. Hallett Independent offers flexibility and customisation that may be hard to find in more standardised, one-size-fits-all approaches.
‍
5.  In-Depth Industry Knowledge: Navigating the art world’s complexities requires expertise. Hallett Independent’s in-depth knowledge of the art industry ensures that they understand the nuances of valuation, market fluctuations, and other unique challenges. Expertise that translates to tailored solutions for you.
‍
5.  Quick Decision-Making: In the fast-paced art world, time matters. Hallett Independent’s streamlined decision-making process allows for quick responses to your needs, efficient claims handling, and a level of agility that larger firms may struggle to match.
‍
6. Client-Centric Approach: At Hallett, clients aren’t just clients; they’re partners. The client-centric approach means a commitment to your satisfaction and going the extra mile to meet your expectations. Because your peace of mind matters.
‍
7.  Local Expertise: Art is a global language, but understanding local nuances is key. Hallett Independent’s local expertise provides an advantage in navigating the intricacies of the art market, ensuring you have the right support on a global scale.
‍
Choosing an art insurance broker is an investment in the protection and longevity of your art. Consider the boutique advantage with Hallett Independent Specialist Art Insurance Brokers. Your art deserves more than just coverage—it deserves the expertise and personalised service that sets Hallett apart.
‍
Ready to safeguard your assets? Reach out to Hallett Independent for a consultation tailored to your insurance needs.

You do not need a specialist policy per se, but you do need a specialist insurer who understands the unique risks and requirements associated with such properties and can offer support in the event of a claim.  Specialist insurers also provide extensive risk management advice.  Our high net worth policies can accommodate listings of all gradings.

If you own a listed building in England, Wales, Scotland or Northern Ireland, it’s crucial to understand the unique requirements associated with these special properties. Listed buildings are considered historically or architecturally significant and are protected by law.  This means that claims involving the building can be more complex and certainly require specialist knowledge.  The insurers we work with would appoint a loss adjuster familiar with listed buildings in the event of a claim.   Insurers who specialist in high net worth and listed building insurance tailor their policies to address the unique risks and requirements associated with such properties, which may not be adequately covered by standard home insurance policies.

Building insurance cover typically provides coverage for a range of risks, including damage to the structure, fixtures and fittings of the building, as well as contents within the building. It may also include coverage for additional costs associated with rebuilding or repairing a listed building to its original state in the event of damage or destruction. Some policies may also provide coverage for legal fees, temporary accommodation and other related expenses.

Due to the complexity of listed buildings and the specialist materials required, the cost to repair a listed building is far greater than a standard property.  Therefore, a specialist insurer may offer to survey a listed property to determine the correct rebuilding figure and sometimes offer ‘extended replacement cost’ if they do this, which is effectively an unlimited buildings sum insured.  Grade 1 buildings are excluded from this however.

Heritage building materials like hand made bricks are often difficult to source and specialist insurers are better able to do so. Listed building insurance typically covers the cost of repairing or replacing traditional or historic building materials, such as lime mortar, thatched roofs, leaded windows and other original features of the building.

If you are planning to make alterations, renovations, or additions to a listed building – or even if your property is in a conservation area – you may need to obtain permission from the local planning authority.  You should also contact your broker or insurer to check that your insurance policy will remain in force whilst the works are happening.  It’s also important to keep your insurance policy updated and review it regularly to ensure that it continues to provide adequate coverage, as the value of your listed building may change over time and especially after alterations.  Hallett Independent can help you throughout your ownership of the property or estate.