The product
Built for property investors, our real estate product combines one of the largest MGA capacities in the market with expert underwriting support.
We focus on risks with premiums of £2,500 and above, blending automation with the human touch to deliver efficient policy transactions backed by genuine real estate expertise. With referral turnaround times of under 30 minutes, we flex to meet the diverse needs of every client.
The benefit
By integrating with Acturis, brokers can access this product directly within their existing workflows, while retaining open market placement for more complex risks.
Products covered
- Commercial and residential real estate portfolios (up to 20 properties)
- SME and mid-market segments
- Total sum insured: up to £20m per location
Territories
UK-wide, via Acturis Property Owners panel
Coverage limits
- Premiums from £250
- Referral cases: typically handled within 30 minutes
- Complex risks: available through open market placement
In appetite
- Offices
- Warehouses
- Manufacturers
- Retail
- Cafes / Sandwich Bars
- Exhibition Centres (Referral)
- Health Clubs/Gyms
- Hotels
- Launderette (Unattended on referral)
- Public Houses / Wine Bars
- Restaurants
- Block of flats
Why brokers choose
Ventis for real estate
Operational agility
Acturis Connect allows us to update products and decision logic quickly, keeping you ahead of market needs.
Market focus
We target the underserved £5k-£20k premium range, offering solutions not typically covered by larger insurers or MGAs.
Broker-centric approach
We design workflows and service standards to align with how brokers trade on Acturis every day.
Specialist expertise
Led by Ian Newman and Jenny Attewell, with 40+ years of combined real estate underwriting experience.
Desktop Valuations
for Peace of Mind
Cardinus desktop property valuations available for declared values up to £20m.
95% of UK buildings are underinsured
Most properties lack sufficient cover
Rebuild costs
rising fast
Driven by inflation, labour shortages & material prices
Accurate valuations matter
Ensure clients are fully protected at claim time
Core Covers &
Key Limits
Real Estate (Product)
Max: £20,000,000 TSI
Designed for UK commercial & residential properties — single assets or mixed portfolios.
Features
Property Damage, Loss of Rent, Property Owners' Liability, and Employers' Liability as standard
Option to include Terrorism and Legal Expenses
Extensions
Applicable extensions vary by section (see below)
Property Damage
Building & Landlords’ Content
Covers material damage from insured perils (fire, lightning, earthquake, aircraft, malicious damage, storm, theft, flood, escape of water, sprinkler leakage, impact, accidental damage, subsidence).
Features
Features Property Damage, Loss of Rent, Property Owners' Liability, and Employers' Liability as standard Option to include Terrorism and Legal Expenses
Extensions
Contract Works up to £250,000 Capital Additions Third Party Failure to Insure Fly-tipping Malicious Damage by Residential Tenants Archaeological Costs Subrogation Waiver
Loss of Rent
36-month Indemnity
Loss of rental income after an insured event. Includes Cost of Re-letting, Business Rates, and Increased Cost of Working.
Features
Alternative Residential Accommodation & Rent up to 33.3%
36-month indemnity period
Extensions
Anticipated Rent
Loss of Attraction
Denial of Access
Compulsory Closure
Property Owners' Liability
£5m standard – up to £10m
Legal liability for accidental bodily injury, property damage, wrongful arrest/detention/eviction, malicious prosecution, privacy, nuisance or trespass within territorial limits.
Features
£5,000,000 limit as standard
Ability to increase to £10,000,000
Extensions
Indemnity to Principals
Legionella (limit £5,000,000)
Overseas Personal Liability
Employers' Liability
£5m standard – up to £10m
Legal liability for bodily injury to employees in the course of employment within territorial limits.
Features
£10,000,000 limit as standard
Extensions
Court Attendance Costs
Unsatisfied Court Judgements
Work Overseas
Cross Liabilities
