NIB Insurance Brokers Ltd is a specialist in Commercial and Residential Property Owner insurance. We have over 30 years' experience in offering a bespoke, tailor made solution to each and every client.
We understand that no two clients are same, no two landlords operate the same way or have the same needs. In this respect, we make it our business to fully understand the requirements of our clients and offer an appropriate and competitive solution. We offer the same service and level of cover to an individual property owner or to a client who has a large property portfolio spread over multiple locations (or block policy arrangements).
Whilst price is always an important factor, the old adage “you pay peanuts” is highly relevant in the insurance industry. Cheap insurance comes at a price with exclusions and excesses in the small print which outweigh the value of the product.
At NIB Insurance Brokers we believe in offering the widest cover available at a competitive and economic price. We have arrangements with all the major insurers and moreover, special facilities with a couple of insurers who will provide higher limits, enhanced benefits and wider cover than standard products. These contracts are designed to accommodate Commercial, Residential and/or a mix of usage under the same policy.
Where possible, we believe Property Insurance policies should afford:
- Buildings on a Declared Value basis with day one cover plus 35%
- Automatic Index Linking to protect the rebuild value
- Commercial Loss of Rent
- Property Owner's Liability at £5,000,000
- Residential Alternative Accommodation at 30%
- Trace and Access cover for at least £50,000
- Full Legal Expenses Cover
NB:- These limits can vary if our specialist facility insurers are not able to compete and we will advise you accordingly, in advance of cover.
We are also able to arrange cover for the non-standard risks including:
- Unoccupied properties
- Properties undergoing refurbishment work
- Contract Works