Heritage buildings insurance

Work with specialists who understand the unique complexities of heritage insurance. By insuring your clients’ heritage buildings with Ansvar Insurance you are working with an insurer who understands the specific risks that heritage establishments face and provides you and your client with a dedicated product and value added services.

Definition

Buildings, artefacts, monuments, sites or activities with archaeological, historic, architectural, traditional cultural, engineering or scientific significance.

Policy coverage

Accidental physical loss or damage not otherwise excluded for replacement or indemnity value as declared.

Policy highlights

• a customised policy wording
• specialist heritage insurance knowledge which can provide guidance on ensuring the correct valuation so that you are not over or under insured
• a dedicated claims team
• global experience dating back to 1887 to source overseas expertise when needed to assist in restoration
• an understanding of the various state Historic Places Act and the guiding principles of ICOMOS, the International Council on Monuments and Sites
• cover for archaeological mapping, recording and investigation work
• cover for monuments, memorials and statues
• cover for works of art, pictures, antiques and curios
• consequential loss
• optional liability protection
• risk management support

Some of the above exclusions can be insured by way of extension or are more appropriately covered under other policies of insurance.

Heritage insurance is a core part of our business. Like our parent Ecclesiastical, our Heritage product has been developed following wide consultation within the community. We offer the only dedicated insurance solution for commercial enterprises who own and operate from heritage properties. This is backed by specialist services, accurate building valuations and access to knowledge and expertise.