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can quote for either your Grade 1,Grade 1 A, 2 or Grade 2* listed building in England or Wales or Grades A B or C listed building in Scotland. We can offer cover either on a building only basis or coupled with your contents & personal belongings. One of our senior members of staff will deal with your request. If your listed building is used as a holiday or second home, please mention this at the time you request your quote.

What Is A Listed Building?

A listed building is acknowledged by the secretary of state and noted on a register (hence the term listed) as being of special interest and as such worthy of special protection. Legislation has been enacted to protect and preserve any building or structure on the list and the penalties for non compliance can be quite severe. A listed building is not always large, stately or in excellent condition, in fact other structure types such as schools, churches, walls, tombstones, milestones, barns, bridges, locks and even telephone boxes can be included on the list. Sometimes a property was occupied by a famous person and this in itself is enough of a reason for listed status. Listed buildings are considered to be part of our heritage and of national importance, often people or groups of people campaign to have a property listed and thus preserved for future generations.

Here at Moneycornershop.com we work with some of the biggest and most reputable insurance providers in the world to help our commercial landlord customers ensure their properties and investments are protected.

UK History For Listed Buildings

The process of listing buildings or structures of importance first began in 1947, as a result of extensive damage caused by bombing during World War 2. It was decided at this time that a register was needed to preserve our heritage for future generations. in the modern day/ the Secretary of State for Culture, Media and Sport is responsible for compiling the list.

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There is not a definitive reason as to why one building or structure is chosen to be listed but usually, if they are of historical importance or perhaps “ a focal point “ of a community they will be considered.

It is illegal to alter, extend or in any way change the character of a listed building without first obtaining the necessary listed building consent from the relevant local planning authority, as mentioned above, the penalties are severe, you may face a large fine or even imprisonment. In general terms, the older a building or structure is, the more likely it is to be listed, all buildings which are still standing in anything like their original condition that were built before 1700 are listed. Most buildings that were constructed between 1700 and 1840 are also listed. Between the years 1840 and 1914 the tendency is only to list properties of “character & quality” and only then if they are under threat. Any building constructed after this period has to be exceptional for it be be considered worthy of a listing.

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What Do You Really Need To Consider?

Owners of listed buildings are often seen as wealthy persons who have money to spend on the up keep of their property, this is not always the case and often owners of listed buildings have normal occupations and do not possess a bottomless pit of money to spend on the up keep of their property. Often many jobs are undertaken by owners, but without proper preparation and planning, this can actually end up causing more damage. For most of us that have to work, maintenance can seem like a tiresome chore, often we do not have a great deal of time and at weekends we would much rather spend our time relaxing. However, property maintenance is not only necessary, it makes good economic sense, property prices in the UK are increasing all the time but if you want to sell your property, having it it good condition will certainly help to sell yours quicker than someone else’s.

Property Owner’s Liability

Property owners’ liability insurance provides financial protection against large compensation claims if someone is injured at your premises as a result of your negligence. Accidents happen when you least expect, and this cover can protect you against accidental damage to third party property too. For instance, if a roof tile fell and landed on a car below, you could be liable to cover the costs. Taking out property owners’ liability cover as part of your commercial landlord insurance policy can cover your liability if something goes wrong. Employers’ liability cover should also be considered if you employ anyone to maintain the building or grounds for you.

What is included in a property policy?

  • Landlords Contents
  • Alternative Accommodation
  • All Risks Building Cover
  • Legal Expenses and Business Interruption
  • Cover against fire, floods, and weather damage
  • Equipment, technology failure, water, electrics and heating
  • Covers costs from theft, such as contents and damages
  • Cover loss of rent/lost income due to damage or repair.
  • Employers and Public Liability (if needed)

Loss Of Rent Insurance For Your Commercial Property

Loss of rent cover is an important part of your insurance that can protect your income in the event of damage at your commercial property which may result from an insured event. This means that if you have a fire or flood that renders the building uninhabitable, loss of rent cover can continue to pay you rental income while the building is reinstated meaning you shouldn’t be out of pocket.

The Right Advice – The right help – It can be a very difficult task locating the right professional to help with your listed building work; particularly if like me, you don’t know the first thing about building work. As mentioned above, many people feel up to the task of spotting what remedial work needs to be done to keep the fabric of their building in good condition, but may some want to employ a professional from day one. A professional person should be able to produce for you a schedule of work that gives priority to the most urgent jobs and must be able to oversee all works that are to be carried out.

Before allowing a trade’s person to start work on your property, there are a couple of points to remember.

  • Ask the person for examples of recent work, this may help you verify the standard of workmanship you can expect.
  • Always, ask to see evidence of public liability insurance certificates. Certificates of public liability insurance are not common so expect to see a schedule of insurance which is in date and from an insurance company not a broker. Any bona fide trade’s person will not mind you asking for evidence of insurance.
  • Always avoid companies’ that cold call at all costs, don’t forget, they will have a vested interest in finding faults in your building.
  • “Cowboy” firms are more likely to offer to do work in return for cash.
  • Try to use a builder that is registered with a federation.
  • Ask the person for examples of recent work, this may help you verify the standard of workmanship you can expect.
  • Always, ask to see evidence of public liability insurance certificates. Certificates of public liability insurance are not common so expect to see a schedule of insurance which is in date and from an insurance company not a broker. Any bonafide trade’s person will not mind you asking for evidence of insurance.
  • Always avoid companies’ that cold call at all costs, don’t forget, they will have a vested interest in finding faults in your building.
  • “Cowboy” firms are more likely to offer to do work in return for cash.
  • Try to use a builder that is registered with a federation.

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