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At Covéa Insurance, we’re proud to be SME Experts, it’s at the heart of our commercial proposition. We deliver specialist insurance solutions for small to medium enterprises with up to 250 employees and turnover up to £42m. Our approach combines local underwriting expertise with flexible service models that adapt to your specific trading preferences. One Quote To Market Our one quote to market approach gives you exclusivity and a true edge. We will only offer one set of terms nationally for all our underwritten business through our regional branch trading teams. Marketing With You Our Marketing team is ready to collaborate, providing co-branded articles, updates, and insight to complement your strategy and social channels. Service You Can Count On Our dedicated SME Underwriters are here to give you the edge, helping you win new business and retain key renewals with confidence. Training And Development We offer in-office or webinar training on our products and cross-selling, access to our Broker Training Academy, and refresher sessions to keep teams sharp. Smarter, Stronger Tenders We’ve refined our approach to tenders and account consolidations to help you win. When a rollover is agreed, all enquiries are logged as exclusive, safeguarding your work. Trading Model Built Around You Whether you place business through our regional team, e-Trade, or schemes, our proposition flexes around your model. OUR PROMISE to our brokers See Our Products Download our Brochure Commercial lines At Covéa Insurance, we’re proud to be SME Experts, it’s at the heart of our commercial proposition. We deliver specialist insurance solutions for small to medium enterprises with up to 250 employees and turnover up to £42m. Our approach combines local underwriting expertise with flexible service models that adapt to your specific trading preferences. Our SME Experts proposition is built on deep knowledge in key areas such as Commercial Combined, Property Owners, Motor Trade, Fleet, Tradesman & Professionals and eTrade package risks. What sets us apart is our commitment to swift decision-making through experienced underwriters with high levels of authority, all backed by our award-winning claims service. Click Here To Learn More Motor Fleet Reliable cover for fleets of 3 to 25 vehicles. For businesses running cars and small commercial vehicles (up to 7.5 tonnes) – it’s a straightforward solution for Clients who need flexible, efficient fleet insurance. Click Here To Learn More Property Owners From private landlords to large commercial portfolios, our Property Owners range gives brokers the tools to shape protection around every Client’s needs. With flexible options and comprehensive core cover, it’s insurance that fits how today’s property owners operate. Click Here To Learn More Packages Our Packages range is built for small to mid-sized businesses that need reliable, all-in-one cover. Whether your clients run a shop, salon, office or surgery, these products offer flexible protection with comprehensive wording – helping them stay focused on their business, not their insurance. Click Here To Learn More Commercial Combined Our Combined range gives brokers the flexibility to shape cover around each client’s unique needs. From streamlined e-Trade solutions to fully configurable policies with enhanced features, these products offer comprehensive protection and clarity. Click Here To Learn More Motor Trade Our Motor Trade range is designed to support businesses of all sizes – from part-time traders working from home to large operations with multiple premises – all backed by trusted, expert service. Click Here To Learn More Trades & Professionals Our Trades & Professionals products are built to support self-employed individuals and small businesses – With core liability cover and a choice of optional extras, brokers can tailor protection to fit the way their clients work. OUR PRODUCTS tailor-made for your clients every need

product approval process Delivering Products You Can Place with Confidence At Covéa, every product we offer is carefully designed, monitored and reviewed to make sure it delivers real value to the people who use it. From initial design through to launch and ongoing performance reviews, our process ensures products stay competitive, suitable for their target market, and aligned with regulatory requirements. By combining insight from brokers, customers and our own teams, we make sure our products continue to meet evolving needs and uphold our commitment to fairness, quality and value. Click to Download Product Approval Process Document Product governance encompasses the whole of the product life cycle including: the design and distribution of products; the launch processes; product delivery; the ongoing monitoring of product performance; fair value assessments; and the development of existing products; including the selection and/or enhancement of product features/benefits and responding to market changes and legal or regulatory developments. All our core products are reviewed on an annual basis. The aim of the product review process is to make sure: Products are in line with the market Products remain competitive and are suitable for the target market Products reflect all relevant regulations and legislations Products are in line with the principles of Consumer Duty Products provide ‘value for money’ within the market they support, and Each part of the distribution chain providers value proportionate to the level of remuneration The reviews incorporate feedback from the business, intermediaries and customers. This assists us in establishing who the product might be suitable for and the product’s performance. Internal channels we use include: Complaint feedback Staff ideas/feedback Management information Company objectives Product performance System restrictions/limitations Treating Customers Fairly (TCF) External channels we use include: Market analysis and trends Competitor analysis Regulation & legislation Customer insight & feedback Brokers feedback External agencies Complaint feedback (FOS) product approval process Delivering Products You Can Place with Confidence At Covéa, every product we offer is carefully designed, monitored and reviewed to make sure it delivers real value to the people who use it. From initial design through to launch and ongoing performance reviews, our process ensures products stay competitive, suitable for their target market, and aligned with regulatory requirements. By combining insight from brokers, customers and our own teams, we make sure our products continue to meet evolving needs and uphold our commitment to fairness, quality and value. Click to Download Product Approval Process Document Product governance encompasses the whole of the product life cycle including: the design and distribution of products; the launch processes; product delivery; the ongoing monitoring of product performance; fair value assessments; and the development of existing products; including the selection and/or enhancement of product features/benefits and responding to market changes and legal or regulatory developments. All our core products are reviewed on an annual basis. The aim of the product review process is to make sure: Products are in line with the market Products remain competitive and are suitable for the target market Products reflect all relevant regulations and legislations Products are in line with the principles of Consumer Duty Products provide ‘value for money’ within the market they support, and Each part of the distribution chain providers value proportionate to the level of remuneration The reviews incorporate feedback from the business, intermediaries and customers. This assists us in establishing who the product might be suitable for and the product’s performance. Internal channels we use include: Complaint feedback Staff ideas/feedback Management information Company objectives Product performance System restrictions/limitations Treating Customers Fairly (TCF) External channels we use include: Market analysis and trends Competitor analysis Regulation & legislation Customer insight & feedback Brokers feedback External agencies Complaint feedback (FOS) The table below shows the lifecycle of a product review:

Packages Smarter cover. Simpler trading. One proposition — tailored to two core sectors. Our Packages proposition brings together two ready-made solutions designed for retail based (including salons), office based and surgery based business that keep our high streets and professional sectors running. Whether your client is retailing flowers or providing consulting for professional clients, our Packaged products deliver flexible, robust protection — all wrapped up in an easy-to-place format under a Packaged offering with a broad range of standard covers and valuable optional extras. Retail & Salons — designed for small businesses and independent retailers covering a range of retail & salon based trades and sectors. Offices & Surgeries – designed for professional clerical, consultancy based businesses as well as surgery based business and practices. With 24/7 claims support and a range of core covers provided as standard, our Packaged products helps you place dependable, competitive cover quickly — with the flexibility to meet real-world needs. All the essential protection. None of the complexity. Built for brokers. Backed by Covéa. Offices & Surgeries Retail & Salons Key Features Automatic Worldwide Cover (Specified All Risks) Under our Property Damage Section cover is provided as standard for Specified All Risks and Personal Effects whilst temporarily removed from the business premises – ideal for professionals working between locations or client sites worldwide. Exhibitions Cover Whether your clients are showcasing at conferences, trade shows or community events, their business equipment and promotional materials are covered while on display. Deterioration of Stock Up to £10,000 of cover provided as standard for deterioration or purification of refrigerated stock including drugs, medicines & vaccines as standard with a 50% increase for seasonal trading periods not exceeding 90 days. Legal Expenses Cover (optional) Up to £100,000 in legal expenses cover designed for business needs including (but not limited to) employment disputes, health & safety appeals, contract disputes, property disputes. Offices & Surgeries A specialist package for professional spaces — clear, comprehensive cover your clients can count on. Our Offices and Surgeries policy is purpose-built to protect working environments where professionalism and continuity matter most. Whether your client runs a law firm, accountant’s office, GP surgery or dental practice, this all-risks product wraps up property, liability, business interruption, and money cover in one neat solution — with optional extensions including terrorism, legal expenses, and buildings insurance. It’s everything your clients need, backed by expert claims support and an understanding of the risks modern professional businesses face. An example of our appetite Estate & Letting Agents Solicitors Accountants Architects Optometrists Dentists Doctors View Policy Documents Here Key Features Hair & Beauty Treatment Risks (Liability Extension) Covers businesses up to £500,000 in legal liabilities for a wide range of hairdressing and beauty treatments performed by qualified operators. Unspecified Storage Sites Stock and contents are protected even when stored off-site up to £5,000 as standard within the territorial limits – whether in temporary units, partner premises, or during relocation. Legal Expenses Cover (optional) Up to £100,000 in legal expenses cover designed for business needs including (but not limited to) employment disputes, health & safety appeals, contract disputes, property disputes. Seasonal Stock Uplift Automatic 25% increase in stock sum insured during peak trading periods (e.g. Christmas, Easter) — giving clients extra flexibility and peace of mind when it matters most. Retail & Salons Straightforward cover for local businesses — with the strength of a full package behind it. Our Retail and Salons policy is a comprehensive, all-in-one solution designed with high street shops and salons in mind. With a single policy, you can offer your clients a broad safety net: covering everything from property damage for stock & contents, business interruption, money & assault cover, Employers Liability and Public & Products liability. Optional covers such as Buildings and Subsidence cover under property damage, Treatment Risks for Hair & Beauty, Legal Expenses, loss of licence, Terrorism are also available to allow further tailoring to suit specific risks. It’s backed by expert claims support and a range of built-in extensions — helping you provide the clarity and confidence your clients need to keep trading, even when things go wrong. Designed to be easy to place. Built to stand up under pressure. An example of our appetite Clothing Retailers Hairdressers & Barbers Florists Gifts & Souvenirs Furniture retail Carpet Retailers Tea Rooms View Policy Documents Here

Private clients #partnerwithexperts Celebrating 30 Years Expert. Tailored. Personal. At Covéa Insurance, we know that Private Clients expect more — and so do you. That’s why our Private Clients proposition is built around three things that matter most: Tailored Solutions Personal Service Expert Team For over 30 years, we’ve specialised in protecting high-value homes and lifestyles. But more than that, we’ve built long-standing relationships with brokers who share our commitment to quality, discretion and doing what really matters. Click here to Download our Brochure Key Features Priority Claims Management High-value claims are handled by experienced specialists who understand the needs of discerning clients — offering fast-track resolution and white-glove service throughout. Extended Lifestyle Protection From second homes and staff cover to valuable collections and fine jewellery, Executive Plus wraps around your clients' way of life — providing seamless protection across assets. Specialist Risk Consultancy Your clients benefit from access to expert-led risk assessments and bespoke security advice — ensuring their property is not only protected, but proactively managed. Enhanced Limits with Flexible Valuation Executive Plus is built for clients with complex or evolving portfolios — offering increased inner limits and adaptable valuation methods to reflect the true worth of homes, art, and valuables. Executive Plus Tailored to protect more — for clients who expect more. Executive Plus is our most refined home insurance product, built exclusively for clients with significant wealth and complex property needs. It offers everything included in our Executive Home policy — and more — with enhanced limits, deeper lifestyle alignment, and access to specialist risk expertise. From second homes and staff cover to high-value collections and bespoke rebuilds, Executive Plus wraps around your client’s world seamlessly. With eligibility for proactive risk surveys and tailored underwriting, we go beyond protection — we help prevent loss and preserve value. Each claim is handled with discretion, speed, and a high-touch approach by our most experienced team. Whether managing delicate restoration work or coordinating multiple suppliers, your client will experience the kind of white-glove service that feels more like concierge than claims. When your clients live differently, they need a policy that protects differently — and Executive Plus is designed to do just that. View Policy Documents Here Key Features Dedicated Claims Handler From first call to final settlement, your client will have a named expert managing their claim — with no forms, no chasing, and no delays. Just exceptional service. Environmental Upgrade Benefit After a major claim, your clients can choose to rebuild using greener, more sustainable materials — and we’ll contribute up to £10,000 towards the cost. Building Works Tolerance Renovations up to £75,000 are automatically covered — ideal for clients making regular home improvements. Need more? We can extend it on referral. Unlimited Lock & Key Replacement Full cover if keys are lost or stolen — with no limit on replacement costs. Executive Home Exceptional protection for extraordinary homes — tailored for your most discerning clients. Covéa’s Executive Home policy is designed to meet the needs of clients with high-value homes and lifestyles that demand more. It offers worldwide all-risks cover for buildings, contents, fine art, jewellery, and valuables — all with the flexibility to adapt to complex living arrangements and evolving assets. This is more than just home insurance — it’s a prestige proposition that includes essential lifestyle protection as standard, such as home emergency assistance, legal expenses, and cyber support. With renovation cover up to £75,000 automatically included and £10,000 towards sustainable rebuilding upgrades, it’s built to support how your clients live today — and tomorrow. What truly sets it apart is our claims experience. Clients are assigned a dedicated claims handler who manages everything from start to finish — no forms, no delays, just the personal, professional service your clients expect and deserve. It’s a policy that reflects value, delivers service, and protects prestige — all with the confidence of Covéa behind it. View Policy Documents Here Key Features Generous Cancellation & Delay Cover With £15,000 cover cancellations, support for delays and repatriation, your clients stay protected from disruption — every step of the journey. Winter Sports Extension Optional Winter Sports cover, including £750 cover for the permanent damage to ski equipment. Built-in Leisure & Business Travel Travel cover includes business trips, cruises and golf as standard — so your clients are covered whether they’re working or relaxing. £10 Million Emergency Medical Cover Whether it's a ski accident or a sudden illness abroad, we provide up to £10 million in medical costs — ensuring your clients receive the best care, wherever they are. Executive Travel Global travel cover that keeps pace with how your clients move through the world. Executive Travel offers year-round, multi-trip protection for individuals and families who travel frequently — for business, leisure, or both. It’s built for those who value ease, flexibility, and complete peace of mind — with generous limits. Whether your client is attending a conference in Singapore, or cruising through the Mediterranean, they’re covered for cancellations, delays, medical emergencies, lost baggage, and more. Business travel, golf, and cruises are all included. And when something goes wrong abroad, our 24/7 global medical helpline ensures they have the support they need immediately — from emergency treatment to repatriation. It’s confidence without complication. Because when travel is a way of life, protection should be effortless. View Policy Documents Here Our Partner Promise With Covéa Private Clients. You and your clients are never just a number. Tailored Solutions Expert Team Personal Service A trading model built around you Our dedicated SME Underwriters Long-Term Relationships Executive Home Protecting What Matters as Life Evolves Executive Home offers expert, bespoke insurance for Mid and emerging High Net Worth Private Clients. With flexible cover starting from £75,000 contents insured and premiums from just £500 (+IPT), it’s tailored protection backed by fast decisions, personal service, and the strength of Covéa. Optional Travel cover available. pic Worldwide Protection Cover for Contents, Personal Effects, Art, Antiques and Jewellery — wherever your client is in the world. Pic High Single Item Limits Up to £10,000 for Jewellery/Watches and £25,000 for Art and Antiques — no hassle, no constant revaluations. Pic Full Cover During Renovations Contract works up to £75,000 covered automatically, with no joint names needed. Pic Legal and Cyber Support Included Built-in Legal Protection and a Home Cyber Assistance Helpline — expert help when it's needed most.

MITIGATION GUIDES We're here to protect your customers against the worst, and put it right if it does happen. Our protection extends beyond providing insurance policies - we offer proactive guides and resources designed to help prevent problems before they occur. ALL HOME BUSINESS MOTOR Workplace Injury Prevention Guide A practical guide to reducing common workplace injuries, from slips and manual handling to stress-related risks. DOWNLOAD PDF LOSC or BFSC – What’s the Difference? A clear explanation of the difference between Labour-Only Subcontractors and Bona Fide Subcontractors. DOWNLOAD PDF When Do I Need Contract Works Cover? This guide explains when contract works insurance is required and what it protects. DOWNLOAD PDF Full Repairing Lease vs Non-Repairing Lease An essential guide for landlords explaining the difference between full repairing and non-repairing leases DOWNLOAD PDF How to Value Your Business The guide shows UK business owners how to value their businesses using asset-based, earnings-based, and market-based methods. DOWNLOAD PDF Preparing your Business for Winter Ensuring your business is prepared for the winter months is important to help prevent cold weather having an impact on your operations. DOWNLOAD PDF Protecting Your Business from Theft A comprehensive overview of physical, employee and cyber theft risks. DOWNLOAD PDF Managing Your Property Portfolio A simple guide for SME landlords and investors covering maintenance, tenant management, financial planning and risk awareness. DOWNLOAD PDF Protecting Your Business from Water Damage This guide explains the difference between flood and escape of water risks and how both can disrupt operations. DOWNLOAD PDF Protecting Your Business from Storms A straightforward overview of how storm damage can impact your business and what you can do to prepare. DOWNLOAD PDF The Dangers of Lithium-Ion Batteries to Your Business This guide highlights the fire risks associated with lithium-ion batteries and how to manage them safely. DOWNLOAD PDF Making your Home Claim Simple When the unexpected happens, the last thing you want is to navigate a tricky home insurance claim process. Follow the tips in this guide to help keep the claims process as simple as possible, in case the worst does happen! DOWNLOAD PDF Securing Your Home Whilst Away This guide provides tips to secure your home while you're away, such as using light timers, securing doors and windows, and hiding valuables. DOWNLOAD PDF Everything You Need To Know About Gas Leaks Gas leaks can lead to serious consequences, including fires, explosions and health risks. Read this guide to know how to prevent a gas leak and what to do if you suspect one. DOWNLOAD PDF Keeping your Home Secure Your home is somewhere that should feel safe and secure. Follow the steps in this guide to help have peace of mind on protecting your home and deterring intruders. DOWNLOAD PDF Fire Safety in Your Home Ensure your home is safe with essential fire safety tips. Protect your loved ones and belongings by taking proactive measures. DOWNLOAD PDF Energy Saving in Your Home Optimise your home's energy efficiency with our essential guide. Stay warm and save on costs, especially in those cold, winter months! DOWNLOAD PDF Keeping Your Pipes Leak Free Water damage can lead to unexpected costs and a lot of hassle. Follow the tips in this guide to help keep your pipes leak free at home and your business too! DOWNLOAD PDF Get Storm Ready - Help Protect You and Your Home Get your home Storm Ready! Follow the tips in this guide to prepare you and your home for Storm Season. Learn how to stay safe during and after a storm. DOWNLOAD PDF The Dangers of Lithium-ion Batteries Read this guide to keep safe whilst using, charging and storing lithium-ion batteries. DOWNLOAD PDF Protect your Home from Flooding Protecting your home from flood damage can save you significant costs and stress! See how to prepare and safeguard your home before, during and after a flood. DOWNLOAD PDF What Homeowners Need to Know About Subsidence Subsidence can be a big problem for homeowners, but taking preventative steps and recognising the warning signs of subsidence can help minimise damage. DOWNLOAD PDF Is Your Car Safe for the Road? Carrying out regular maintenance checks and being aware of the important factors covered in this guide is helpful for ensuring everyone’s safety on the roads. DOWNLOAD PDF What to Do at the Scene of an Accident Being involved in a car accident can be scary, knowing what to do can help you stay calm and ensure the safety of everyone involved. DOWNLOAD PDF Getting Your Car Insured The Right Way Not having the correct car insurance isn't just unwise; it’s against the law! Whether you're just starting out in the driver’s seat or have years of experience under your belt, read this helpful guide to ensure you have the right insurance for your vehicle. DOWNLOAD PDF Preparing Your Car for Winter Ensure your car is safe and reliable this winter with our comprehensive guide. Stay prepared and drive safely! DOWNLOAD PDF Making your Motor Claim Simple By preparing in advance, if you're involved in a car accident, you can make your motor claim process much smoother and more efficient. Follow the tips in this guide to help make a motor claim as simple as possible. DOWNLOAD PDF Securing Your Car Follow the tips in this guide to keep your car secure to help reduce the risk of theft, vandalism and break-ins. DOWNLOAD PDF Driving in Winter Stay safe on winter roads with our essential guide. Plan ahead, drive cautiously, and maintain visibility! DOWNLOAD PDF Poisonous Food to Pets This guide outlines common foods toxic to pets, such as chocolate, grapes, onions, and caffeine, which can lead to severe health issues. DOWNLOAD PDF Flowers That Are Poisonous to Pets Keep your pets safe with our guide on toxic flowers. Learn which plants to avoid and how to protect them! DOWNLOAD PDF Pest Control Guide The guide offers tips to prevent and manage household pests, it emphasises sealing entry points, keeping a clean home, and using professional pest control for serious infestations. DOWNLOAD PDF Making your Home Claim Simple When the unexpected happens, the last thing you want is to navigate a tricky home insurance claim process. Follow the tips in this guide to help keep the claims process as simple as possible, in case the worst does happen! DOWNLOAD PDF Securing Your Home Whilst Away This guide provides tips to secure your home while you're away, such as using light timers, securing doors and windows, and hiding valuables. DOWNLOAD PDF Everything You Need To Know About Gas Leaks Gas leaks can lead to serious consequences, including fires, explosions and health risks. Read this guide to know how to prevent a gas leak and what to do if you suspect one. DOWNLOAD PDF Keeping your Home Secure Your home is somewhere that should feel safe and secure. Follow the steps in this guide to help have peace of mind on protecting your home and deterring intruders. DOWNLOAD PDF Fire Safety in Your Home Ensure your home is safe with essential fire safety tips. Protect your loved ones and belongings by taking proactive measures. DOWNLOAD PDF Energy Saving in Your Home Optimise your home's energy efficiency with our essential guide. Stay warm and save on costs, especially in those cold, winter months! DOWNLOAD PDF Keeping Your Pipes Leak Free Water damage can lead to unexpected costs and a lot of hassle. Follow the tips in this guide to help keep your pipes leak free at home and your business too! DOWNLOAD PDF Get Storm Ready - Help Protect You and Your Home Get your home Storm Ready! Follow the tips in this guide to prepare you and your home for Storm Season. Learn how to stay safe during and after a storm. DOWNLOAD PDF The Dangers of Lithium-ion Batteries Read this guide to keep safe whilst using, charging and storing lithium-ion batteries. DOWNLOAD PDF Protect your Home from Flooding Protecting your home from flood damage can save you significant costs and stress! See how to prepare and safeguard your home before, during and after a flood. DOWNLOAD PDF What Homeowners Need to Know About Subsidence Subsidence can be a big problem for homeowners, but taking preventative steps and recognising the warning signs of subsidence can help minimise damage. DOWNLOAD PDF Workplace Injury Prevention Guide A practical guide to reducing common workplace injuries, from slips and manual handling to stress-related risks. DOWNLOAD PDF LOSC or BFSC – What’s the Difference? A clear explanation of the difference between Labour-Only Subcontractors and Bona Fide Subcontractors. DOWNLOAD PDF When Do I Need Contract Works Cover? This guide explains when contract works insurance is required and what it protects. DOWNLOAD PDF Full Repairing Lease vs Non-Repairing Lease An essential guide for landlords explaining the difference between full repairing and non-repairing leases DOWNLOAD PDF How to Value Your Business The guide shows UK business owners how to value their businesses using asset-based, earnings-based, and market-based methods. DOWNLOAD PDF Preparing your Business for Winter Ensuring your business is prepared for the winter months is important to help prevent cold weather having an impact on your operations. DOWNLOAD PDF Protecting Your Business from Theft A comprehensive overview of physical, employee and cyber theft risks. DOWNLOAD PDF Managing Your Property Portfolio A simple guide for SME landlords and investors covering maintenance, tenant management, financial planning and risk awareness. DOWNLOAD PDF Protecting Your Business from Water Damage This guide explains the difference between flood and escape of water risks and how both can disrupt operations. DOWNLOAD PDF Protecting Your Business from Storms A straightforward overview of how storm damage can impact your business and what you can do to prepare. DOWNLOAD PDF The Dangers of Lithium-Ion Batteries to Your Business This guide highlights the fire risks associated with lithium-ion batteries and how to manage them safely. DOWNLOAD PDF Is Your Car Safe for the Road? Carrying out regular maintenance checks and being aware of the important factors covered in this guide is helpful for ensuring everyone’s safety on the roads. DOWNLOAD PDF What to Do at the Scene of an Accident Being involved in a car accident can be scary, knowing what to do can help you stay calm and ensure the safety of everyone involved. DOWNLOAD PDF Getting Your Car Insured The Right Way Not having the correct car insurance isn't just unwise; it’s against the law! Whether you're just starting out in the driver’s seat or have years of experience under your belt, read this helpful guide to ensure you have the right insurance for your vehicle. DOWNLOAD PDF Preparing Your Car for Winter Ensure your car is safe and reliable this winter with our comprehensive guide. Stay prepared and drive safely! DOWNLOAD PDF Making your Motor Claim Simple By preparing in advance, if you're involved in a car accident, you can make your motor claim process much smoother and more efficient. Follow the tips in this guide to help make a motor claim as simple as possible. DOWNLOAD PDF Securing Your Car Follow the tips in this guide to keep your car secure to help reduce the risk of theft, vandalism and break-ins. DOWNLOAD PDF Driving in Winter Stay safe on winter roads with our essential guide. Plan ahead, drive cautiously, and maintain visibility! DOWNLOAD PDF

Property Owners One portfolio. Three powerful products. Expertly built around your clients needs. A flexible suite of solutions — built to back your advice. At Covéa Insurance, we know your clients come in all shapes and sizes — from single-property landlords to professional investors managing multi-site portfolios. That’s why we offer a comprehensive range of Property Owners products designed to flex around their needs, and support yours. With three distinct products under one roof, you can offer tailored, reliable protection that covers the essentials — buildings, landlords’ contents, loss of rent, and liability — plus valuable extras like legal expenses, terrorism, and cover for illegal activities or unauthorised utility use. Each policy is underpinned by responsive claims support, risk-aware underwriting, and practical extensions designed for real-world landlord challenges. Simple to trade. Straightforward to trust. Built for the broker market. Real Estate Residential Property Owners Property Owners Key Features Fly-Tipping Removal Provides up to £25,000 cover for clearing and removing illegally dumped waste from the property. Loss of Metered Utilities Pays up to £10,000 for accidental discharge of water, oil, gas, or electricity from a metered system — helping reduce unexpected overheads. Illegal Cultivation of Drugs Includes clean-up and damage costs caused by the illegal production of drugs — subject to rigorous tenant referencing and inspection conditions. Failure of Tenants’ Insurance Covers buildings that tenants were contractually obliged to insure but failed to — up to £1,000,000, helping landlords avoid uninsured gaps. Real Estate Our Real Estate policy is built for owners and managers of commercial and mixed-use property portfolios. It brings together robust protection for buildings, landlords’ contents, loss of rent, legal liabilities, and optional legal expenses. With enhanced features including cover for illegal drug cultivation, failure of tenant insurance, and unauthorised utility use, it’s designed to help property professionals manage risk, protect income, and respond quickly to the unexpected. An example of our appetite Commercial properties operating as Offices, Retail, Light Industrial or Warehousing Blocks of Flats managed by Managing Agents or Residents Associations Residential portfolios of Flats and Houses All varieties of retail including shopping centres and retail parks Low hazard manufacturing and wholesaling risks such as those involving metal, glass, machinery, builders merchants, electrical components / goods, printers, and all aspects of computing View Product Guide Here View Policy Documents Here Key Features Illegal Cultivation of Drugs Cover Includes cover for property damage and clean-up if used for the production of controlled substances — with mandatory inspection and referencing conditions. Loss of Rent & Temporary Accommodation Covers loss of rent or tenant rehousing if the property becomes uninhabitable due to insured damage — up to 33.3% of the building sum insured. Trace & Access Cover Up to £5,000 towards the cost of finding and fixing the source of water or oil leaks — essential for mitigating further damage. Malicious Damage by Tenants Up to £5,000 cover for malicious acts caused by residential tenants or their guests — with clear referencing requirements to support prevention. Residential Property Owners Our Residential Property Owners policy is tailored to protect landlords against the unexpected. With cover for buildings and contents, loss of rent, property owners’ liability, and a host of built-in protections — including malicious damage, emergency access costs and clean-up after illegal activity — we’re here to help landlords safeguard their assets and maintain continuity of income. Trusted, flexible, and backed by expert claims support. Professional Working Tenants Retired Tenants DWP (DSS) Non Referral Tenants Family Units View Product Guide Here View Policy Documents Here An example of our appetite Key Features Loss of Rent & Reletting Costs Covers loss of rent, re-letting expenses, increased costs of working, and even business rates where applicable (up to 33.3% of the Buildings and Contents sums insured). Loss of Metered Utilities Covers up to £25,000 if water, gas, oil or electricity is accidentally discharged and lost from a metered system, helping protect your clients from unexpected utility bills Illegal Cultivation of Drugs Cover (up to the inner limit of £5,000) for property damage and clean-up if used for the production of controlled substances — with mandatory inspection and referencing conditions. Trace & Access Cover Up to £5,000 towards the cost of finding and fixing the source of water or oil leaks — essential for mitigating further damage. Property Owners Comprehensive, flexible protection — trusted by landlords, backed by Covéa. Our Property Owners policy is a robust, all-in-one solution for landlords of residential, commercial, or mixed-use premises. Designed to protect both property and income, it covers buildings, contents, loss of rent, property owners’ liability, and offers key optional extras like terrorism and legal expenses. With a broad range of built-in extensions — from trace and access to unauthorised utility use — it helps safeguard clients against real-world risks and costs that landlords face every day. Whether your client owns a single let property or a growing portfolio, this policy is structured to support their investment — and your advice — with clarity, confidence, and expert claims service. All the essentials. Backed by real-world cover. Built to perform. Professional Working Tenants Retired Tenants DWP (DSS) Non Referral Family Units Offices Retail Units View Policy Documents Here An example of our appetite

Commercial Vehicle Van and light commercial cover that keeps your clients on the move. Covéa’s Commercial Vehicle policy is designed for self-employed professionals and small business owners who rely on their van to work. With core cover for accidental damage, theft, fire, and vandalism, the policy also offers new-for-old replacement, audio and satnav cover. We offer RAC Breakdown as an optional extra to help tailor the policy to your clients needs. Straightforward. Practical. Business-ready protection. View Policy Documents Here Key Features Repairs & Courtesy Van All repairs by our approved repairers are guaranteed for as long as you own the vehicle. A courtesy van is provided (subject to availability). Uninsured-Driver Protection No excess to pay and no loss of no-claims bonus if hit by an uninsured driver (must have their registration and details). New Vehicle Replacement If the vehicle is under 12 months old and written off, it will be replaced with a new one. Windscreens & Windows Repair or replacement, including recalibration of sensors. Claims don’t affect your no-claims bonus.

Trades & Two flexible products. One clear proposition. All-round protection for hands-on and office-based clients. At Covéa, we know that no two businesses work the same way. That’s why our Trades and Professions policies are built to reflect the real-world risks of both manual and service-based work — from sole traders and consultants to small teams across the UK. Whether your client is out on site with tools in hand, or running a business from a laptop, we’ve got them covered with tailored, modular cover options that are designed for how they work. Trades – designed for contractors, builders, decorators and other manual trades. Professionals – built for office-based and service-led businesses, from consultants to self-employed creatives. Professionals Smart cover for working people. Easy to place. Easy to trust. Built for the broker market. Trades Professionals Key Features Tool Cover On the Move Protects hand tools and portable power tools in transit or locked storage — with theft extensions and flexible limits to suit the job. Contract Works Cover Includes materials, temporary works and off-site storage — plus debris removal, reinstatement costs and show home protection. Public & Employers’ Liability as Standard Covers legal liability for injury or damage, including temporary employees and bona fide subcontractors — all in one policy. Optional Accidental Death Benefit £10,000 lump sum for fatal injuries within the insured period — additional reassurance for self-employed tradespeople. Trades Flexible protection for hands on Tradespeople. Our Trades policy is a no-nonsense, modular solution built for contractors, sole traders and small businesses working across a range of trades. With core cover for liability and optional add-ons for tools, contract works and plant, it’s designed to fit the way your clients work — whether they’re on-site, in transit, or running the job solo. Straightforward to place, competitively rated, and backed by 24/7 first notification of claims support, it gives you the confidence to protect your clients quickly, clearly and completely. An example of our appetite Electrician Painting & Decorating Building Hairdressing Property Maintenance View Policy Documents Here Key Features Public & Employers’ Liability Cover for third-party injury or damage and employee claims — including protection for temporary staff and work overseas. Portable Tool Cover Protects essential handheld tools and tech — even on the move, with theft and accidental damage options. Goods in Transit Up to £500 cover for business equipment while loading, transporting, or unloading — ideal for consultants on the go Optional Accidental Death Benefit £10,000 lump sum for fatal accidents, providing extra reassurance for sole traders and independent professionals. Professionals Cover for self-employed professionals and consultancy businesses. Our Professionals policy is purpose-built for modern service providers — from designers and consultants to office-based contractors. It combines essential liability protection with optional add-ons for tools and transit, giving your clients flexible protection that travels with them, whether they work from home, an office, or out on the road. With a clear, modular structure and strong core cover, it’s easy to place, simple to explain, and backed by 24/7 first notification of claims support. An example of our appetite Consultants Accountants Auditors Clerical Services View Policy Documents Here

Document Library Product documentation including previous versions To locate a product document, please select the insurance category first and then choose from the available product listing to find the material you require. personal LINES Commercial Vehicle Private Clients Standard Home Private Car COMMERCIAL LINES Commercial Combined Packaged Products Property Owners Trades & Professionals Motor Trade Motor Fleet COMMERCIAL LINES Combined Excel Business Combined Current Office & Surgeries Derivatives Policy Wordings & Summaries Metalworkers & Engineering Derivative Policy Wordings & Summaries Optional Section Wordings General Wordings and Documents eTrade Commercial Combined Current Policy Wordings & Summaries Commercial LINES Commercial Combined Excel Business Combined Current General Sections & Summaries Optional Section Wordings Metalworkers & Engineering Derivative Office & Surgeries Derivative eTraded Commercial Combined Current Policy Wordings & Summaries COMMERCIAL LINES Motor Fleet Current General Wordings and Documents COMMERCIAL LINES Motor Trade Motor Trade Combined Current Policy Wordings & Summaries Motor Trade Road Risks Current Policy Wordings & Summaries Motor Trade Internal Risks Current Policy Wordings & Summaries Commercial LINES Motor Trade Motor Trade Combined Current Policy Wordings & Summaries Motor Trade Road Risks Current Policy Wordings & Summaries Motor Trade Internal Risks Current Policy Wordings & Summaries COMMERCIAL LINES Packages Retail & Salons Current Policy Wordings & Summaries Offices & Surgeries Current Policy Wordings & Summaries Commercial LINES Packages Retail & Salons Current Policy Wordings & Summaries Offices & Surgeries Current Policy Wordings & Summaries COMMERCIAL LINES Property Owners Real Estate Current Policy Wordings & Summaries Residential Property Owners Current Policy Wordings & Summaries Property Owners Current Policy Wordings & Summaries Commercial LINES Property Owners Real Estate Current Policy Wordings & Summaries Residential Property Owners Current Policy Wordings & Summaries Property Owners Current Policy Wordings & Summaries COMMERCIAL LINES Trades & Professionals Trades Current Policy Wordings & Summaries Professionals Current Policy Wordings & Summaries Commercial LINES Trades & Professionals Trades Current Policy Wordings & Summaries Professionals Current Policy Wordings & Summaries Personal LINES Commercial Vehicle Current Policy Wordings & Summaries Personal LINES Private Car RAC Breakdown Current Policy Wordings & Summaries Private Car Current Policy Wordings & Summaries Personal LINES Private Car Covéa Private Car Current Policy Wordings & Summaries RAC Breakdown (Add - On) Current Policy Wordings & Summaries Personal LINES Private Clients Executive Plus Current Policy Wordings & Summaries Executive Home Current Policy Wordings & Summaries Executive Travel Current Policy Wordings & Summaries Personal LINES Private Clients Executive Home Current Policy Wordings & Summaries Executive Plus Current Policy Wordings & Summaries Executive Travel Current Policy Wordings & Summaries Personal LINES Standard Home Current Policy Wordings & Summaries