We’re pleased to announce an exciting new partnership that strengthens our proposition in the high net worth space.
We have teamed up with ARX Rural to provide exclusive access to a specialist insurance solution designed specifically for high-value rural and heritage properties.
Why This Matters
Clients with high-value rural homes have experienced:
- Significant premium increases
- Restrictive underwriting approaches
- Limited market choice
This new partnership introduces a credible, service-led alternative built to address these exact concerns.
Key highlights include:
- Buildings Cover
- Reinstatement values from £15 million upwards
- Maximum sum insured up to £50 million per location
- Option for First Loss cover (minimum 35%)
- Extended replacement available up to 125% (subject to criteria)
- Property Owners Liability
- Indemnity limits of £10m
- Underwritten by established UK markets
- Strong Security
- Backed by a panel of A-rated reinsurers
Target Risk Profile
Ideal clients will typically meet the following criteria:
- High-value main residences or staff-occupied properties
- Strong maintenance and risk management practices
- Low or no claims history
- No flooding or subsidence issues
Important Broker Considerations
As this is a Guernsey-based insurer:
- ARX Rural Risks is regulated by the GFSC (not the PRA/FCA)
- FSCS protection does not typically apply
- Clear client communication around insurer status is essential
Full due diligence documentation is available on request.
This partnership represents a significant step forward in addressing a challenging segment of the market – giving you a compelling, differentiated solution for your high net worth clients.
To discuss opportunities, appetite, or submit a risk, please get in touch with the team.