Opportunities, unlocked.

The Ownership and Use tool.

Just as W&I simplified a group of risks at a stroke, now O&U does the same for the risks your clients face across the ownership and use of their property. It’s a policy that both reduces risk exposure and, at the same time, provides significant administrative efficiency. One simple policy, two big benefits.

Better protection.

O&U covers risks arising from Title to Shares, Title to Property, Public Law and Environmental. It mirrors a Warranty and Indemnity policy but is not limited to risks expressed in it. So, not only is it clear who pays what, it provides comprehensive protection from end to end.

More efficient.

By bringing ownership and use risks under a single policy, there is just one quote and one negotiation to cover everything. And in the event of a claim, where usually every insurer would need to be notified separately, there is now just one number to call, one person to talk to.

Secure, stable innovation since 2009.

Since our first financial indemnity innovation, Rights of Light, we’ve built relationships and trust with major financial institutions in the UK. We’re now backed by Great Lakes Insurance SE capacity, with a financial rating of AA- by S&P.

Make your assets more bankable.

Speak to us about the suite of property tools that we have designed to help you make more of your property investments. They enable funders to meet their investment thresholds while holding less reserves, and developers to attract lower cost capital and complete projects with fewer delays.

Download our Ownership and Use product sheet and start unlocking opportunities today.

Discover more tools.

We have seven creative property tools designed to help you make more of your property investments from planning to sale.

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