Heritage Business And Leisure Insurance

From hotels and spas to offices and surgeries, we insure businesses operating from buildings of historic or architectural significance.

Heritage sector risk guidance

Tailored cover, specialist expertise

We understand the complexities and unique nature of the challenges those working in a heritage building can face and so your broker can have absolute confidence in the services we provide to the sector.

What's covered by Heritage Business and Leisure Insurance

Buildings and contents cover
Including minor contract works and property away from the premises.

Liability covers
Including Hirers’ liability and Trustees’ and Management liability.

Business interruption
Including deterioration of refrigerated stock and seasonal stock increases.

Fine art and collections
Including new acquisitions and temporary removal.

Legal expenses
Including employment disputes and compensation awards.

Reputational risks
Support includes legal and Public Relations costs

Loss of licence
Including wedding and premises licences.

Find a Document

Policy information, guides, templates and forms all in one place

Document Library

Claims Enquiries

New claims can be made 24 hours a day 7 days a week

Claims Enquiries

Heritage Risk Management

Risk support to help your organisation manage risks well.

Heritage risk support

Why Choose Ecclesiastical

Practical guidance from our risk management team- including risk management advice, helping with building valuations and access to a comprehensive library of resources.
Personalised claims support - direct contact with the specialist handling your case, for clear communication and a smoother experience.
We believe that better business can better lives- we're proudly part of the Benefact Group and donate our available profits to good causes.

Need a quote?

Our Heritage Business and Leisure Insurance is only available through a broker. Speak to your broker for more details about our specialist range of insurance products.

FAQs

In insurance terms, a building valuation is an assessment of the cost of reinstatement of a building. It can be difficult to calculate this value as there are many considerations including; architects fees, restoring original features, debris clearance and other specialist considerations. Therefore, it is often necessary to obtain a specialist surveyor to provide a reinstatement valuation.

For heritage and listed buildings, specialist support and valuations are required due to their unique characteristics. It is therefore crucial to ensure that your insurance covers the full reinstatement value, particularly in the event of a major fire or other incident that necessitates a complete rebuild.

Subject to certain criteria, Ecclesiastical can provide you with a buildings re-instatement valuation at no extra cost by our in-house team of specialist surveyors.

Yes. Ecclesiastical is one of Ireland’s leading insurers of protected structures and we are involved in insuring many of Ireland's most significant historic buildings.

Protected Structure is a structure that a planning authority considers to be of special interest from an architectural, historical, archaeological, artistic, cultural, scientific, social, or technical point of view and is included in its Record of Protected Structures (RPS). It may be a building or part of a building which is of significance because of its architectural or artistic quality, or its setting, or because of its association with commercial, cultural, economic, industrial, military, political, social or religious history.

Every planning authority is obliged to have an RPS that includes structures of special interest in its area. The RPS forms part of the Development Plan. The legislation for protected structures is contained in the Planning and Development Act 2000. Part IV of the Act deals with architectural heritage.

Public liability insurance provides coverage for legal defence costs, damages, and associated legal expenses in the event that a member of the public suffers injury or property damage linked to your business activities or property ownership. While this type of cover is not legally required, claims can be expensive. Insurance is therefore strongly recommended to protect against both the financial and reputational consequences of a claim.

Ecclesiastical, through its team of specialist Fine Art underwriters, offers tailored Fine Art insurance solutions for your organisation. This can be arranged either as a stand-alone policy or integrated into your existing insurance product. For further details, please speak with your insurance broker.