Q Property provides a specialist, technical underwriter-led solution for non-standard and complex commercial combined and commercial property risks

Q Property has been established to cater for brokers who are frustrated by auto rated products, trade or activity restrictions and an inability to speak openly and easily with decision makers.

Our team doesn’t view risks by industry, trade or activity – we measure your exposures by the way you and your client approach risk.

Our specialist commercial combined and property wordings are broad, empowering our expert underwriters to tailor each policy to your clients’ requirements.

As well as wide standard wordings, our team can create bespoke solutions to support you in winning and retaining hard to place business. All our policies are backed by A rated capacity.

Our team has a bespoke approach to each and every risk. We have capacity for high single location sums insured, unusual cover and extensions.

Claims handling is the key deliverable from Q Property; the technical experience offered by our insurer’s claims handlers is exceptional. With a cradle to grave approach, we take personal responsibility for driving claims to early settlement. Our team have an average of 21 years’ experience; your dedicated contact can be reached directly and is empowered to make the decisions your client needs.

When a broker has a story to tell but no underwriter to listen, we can help.

Our products

Non-Standard Property

Our Property policy provides cover for bespoke, unusual, complex or non-standard commercial property risks and this includes Business Interruption.

Our standard wording is backed by A rated capacity and experienced, local claims handling. We have capacity for high single location sums insured, unusual cover and extensions as well as bespoke wordings, where required.

Commercial Combined

Our Commercial Combined policy provides a variety of commercial property and liability options, tailored to your clients’ needs, for a wide range of industries and trades.

Whilst we are specialists in hard to place risks, including manufacturing, engineering and metalwork, large retail and wholesale, sports and leisure, food and drink and property owners, we can write a wide range of industries and trades.

Residents' Association

Our Residents’ Association policy provides cover for Private Estate Resident Associations including for directors and committee members, who may be personally liable.

This specialist policy is backed by A rated capacity and can be adapted to cater for the wide-ranging needs of of residents’ associations and their directors or committee members. We can also provide specialist cover for unusual features and estate property.

Shop, Office & Surgery

Our Property policy provides cover for bespoke, unusual, complex or non-standard commercial property risks and this includes Business Interruption.

Our standard wording is backed by A rated capacity and experienced, local claims handling. We have capacity for high single location sums insured, unusual cover and extensions as well as bespoke wordings, where required.

Why work with us?

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