Insurance Services

Welcome

Through our business partners Shortland Horne can offer access to independent risk & insurance advice, support and a tailored insurance proposition to landlords, property investors and tenants.

Our business partners are PIB Insurance Brokers who have expertise in the property sector and access to a wide range of insurers. PIB are committed to delivering exceptional client service.

Buildings Insurance

Landlord Buildings insurance from one property to an entire portfolio including block management.

Contents Insurance

Landlord Contents insurance including theft and malicious damage by tenants.

Rebuild Cost Assessment

Buildings should always be insured for the amount it would cost to rebuild them.

Home Emergency Cover

Home Emergency Cover provides landlords with peace of mind 24 hours a day, 7 days a week, 365 days a year.

Rent Guarantee

Rent Guarantee insurance protects landlords against tenants not paying their rent.

Legal Protection

Protecting you whether you need to bring a claim or have to defend one.

Commercial Insurance

Tailored, competitive insurance solutions for all types of businesses throughout the United Kingdom.

Business Protection

Life insurance, loan protection, key person, shareholder and partnership protection.

Personal Insurance

Bespoke personal insurance service fully tailored to your individual needs.

Tenants’ Insurance

Protect your personal possessions with Tenants’ Contents insurance.


If you would like to be contacted regarding your insurance needs, please complete and send this form.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Name *

Email *

Phone Number *

Type of Insurance Enquiry *

Additional Information


Buildings and Contents

Shortland Horne offer access to independent risk & insurance advice, support and a tailored insurance proposition to landlords, property investors and tenants.

PIB Insurance Brokers, our insurance partner, have extensive expertise in the property sector and access to a wide range of insurers. Their team is committed to delivering exceptional client service. Cover can include:

  • Wider Cover including subsidence and contents.
  • Low excess levels starting at £100 (£1,000 for subsidence).
  • Inflation proofing via index linking or “Day one” increases.
  • Loss of rental income at 30% based on 36 month indemnity period. (Other limits are available)
  • Property owners’ liability cover at £5M (Option for increase to £10M is available).
  • Theft and malicious damage by tenants
  • Accidental Damage cover
  • Including cover for illegal cultivation of drugs (Dependent on Insurer)
  • Flexible approach to temporary un-occupancy between 60 and 90 days.
  • All tenant and property types accepted.
  • Residential, commercial or mixed property.
  • Occupied and unoccupied property.
  • Single properties or portfolios, including mixed portfolios.
  • Contents only option.



If you would like to be contacted regarding your Buildings and Contents insurance needs, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Additional Information


Rebuild Cost Assessment

Buildings should always be insured for the amount it would cost to rebuild them. However, fewer than one in ten properties in the UK are covered correctly.

Don’t insure your property for the wrong amount.

If you are over-insured you are probably paying too much for your buildings insurance.

If you are under-insured, you face a reduced payout in the event of a claim. Insurance claims can be reduced by hundreds of thousands of pounds due to under-insurance.

Getting someone to visit your property to carry out a professional assessment can be time-consuming and very expensive.

Thanks to our partnership with RebuildCostASSESSMENT.com we can offer you a reliable low-cost service from a ‘Regulated by RICS’ (Royal Institution of Chartered Surveyors) organisation.

You’ll receive a comprehensive Rebuild Cost Assessment (RCA) report guiding you on how much you should insure your buildings for.

This is a fantastic and affordable online service which can protect you from the potentially severe consequences of underinsurance.




If you would like to be contacted regarding Rebuild Cost Assessment, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Additional Information


Home Emergency Cover

Home Emergency Cover provides landlords with peace of mind 24 hours a day, 7 days a week, 365 days a year.

Through our partner PIB Insurance Services we able to offer Home Emergency Cover as a standalone policy.

What’s covered?

  • Plumbing and drainage – Damage to or failure of the plumbing and drainage system where internal flooding or water damage is a likely consequence. Blocked toilet and blocked external drains within the boundaries of the property where this can be resolved by jetting.
  • Main heating system – The sudden failure to function of the central heating system in the home.
  • Domestic power supply – The failure of the internal domestic electricity, gas and water supplies within the home but not the failure of the mains supply.
  • Home security – Damage to, or the failure of, external doors, windows or locks, compromising the security of the home.
  • Cooking facilities – Assist to restore a means of heating and preparing food.
  • Lost keys – The loss of the only available set of keys to the home if you cannot replace them, or gain normal access.
  • Pest infestation – The removal of wasp and hornet nests, house mice and field mice, rats and cockroaches.
  • And much more…

 Click here to view the full policy details

Furthermore if you prefer, your tenants can contact the helpline direct regarding any claims. You can provide your tenants with the relevant contact telephone numbers and policy details, saving you time, money and effort.

There is a standard limit of £500 per claim and is subject to £1000 maximum per annum.

This is not a maintenance plan, and does not cover boilers over 15 years old. For a full list of exclusions please see the full policy details.




If you would like to be contacted regarding Home Emergency Cover, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Additional Information


Rent Guarantee

Protecting Landlords from Tenants who don’t pay

Shortland Horne through our partner, PIB Insurance Brokers are able to offer Rent Guarantee including Legal Expenses as a standalone policy.

Rental guarantee insurance provides cover for:

Evicting tenants for non-payment of rent or continuing to occupy the property after the end of the tenancy

The unpaid rent until vacant possession is obtained provided that:

  • The property is “residential” property let under an assured shorthold tenancy.
  • The tenant has passed a tenant reference check.
  • A deposit and the first month’s rent has been paid.
  • Contractual and statutory notices have been issued.

Rent guarantee and legal expenses benefits include:

  • 24 hour telephone legal advice to provide you with legal advice and information without having to pay a solicitor.
  • Telephone legal advice provided by qualified solicitors and barristers.
  • Telephone tax advice provided by experienced tax professionals.

Exclusions include Asylum Seekers, Students, DSS Tenants on benefits and Commercial Tenants. Please see the policy details for more information.

 Click here to view the full policy details




If you would like to be contacted regarding Rent Guarantee, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Additional Information


Legal Protection

As a landlord, if your property business suffers a grievance, sometimes the only recourse is to take whoever is responsible to court. Factors including government legislation, and the rise of no win no fee agreements have led to a litigious environment in the UK, and resolving disputes in court has become more widely accepted. As a property owner or investor, you are vulnerable to being involved in legal disputes, whether you need to bring or defend charges.

Legal protection and optional rent guarantee will help you through the legal issues that may arise from your property business and can reimburse lost rental income. Our insurance partners PIB Insurance Brokers can offer these as optional covers.

It will help you if:-

  • A tenant does not leave a rented property even when you have complied with all the contractual and statutory notice provisions.
  • A residential tenant does not pay the rent due while nevertheless remaining in occupation.
  • A tenant refuses to comply with his repair obligations particularly when the tenancy comes to an end and he has left the property.
  • Having repairs or renovation work done to the property and the builder fails to deliver a service in accordance with the contract.
  • It is alleged that you have failed to maintain certain appliances in accordance with the relevant health and safety legislation.

What’s covered?

The Legal Expenses policy that PIB Insurance Brokers are able to offer covers:

  • Property disputes – provides cover for legal expenses from disputes with the tenant over a breach by the tenant of any of their obligations under the tenancy agreement.
  • Pursuit of Rent Arrears – The pursuit of rent arrears which commenced during the period of insurance.
  • Eviction – The eviction of anyone in the property without your permission.
  • Legal Defence – The defence or civil proceedings in respect of any act or omission or alleged act or omission by you arising out of your ownership or management of the property.



If you would like to be contacted regarding Legal Protection, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Name *

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Additional Information


Commercial Insurance

Business insurance will never be a ‘one size fits all’ solution. PIB understand that each business encounters different issues and so our philosophy is simple; we take the time to understand your insurance needs and provide you with a personal service, professional advice and value for money insurance solutions.

By having PIB Insurance Brokers look after your insurance requirements you can be sure you are getting the best advice and a competitive quotation. Whether you are a major corporation or a small enterprise and we can put in place an insurance solution to protect you, your assets and your people.

Shortland Horne insurance partner is PIB Insurance Brokers who offer advice, support and tailored, competitive insurance solutions to all types of businesses throughout the United Kingdom.

Simply start typing your business sector into the box below and click the appropriate result to see how we can help.




If you would like to be contacted regarding your Commercial insurance needs, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Phone Number *

Additional Information


Business Protection

Relevant Life Insurance

Click here for more information

Loan Protection

Click here for more information

Key Person Protection

Click here for more information

Shareholder or Partnership Protection

Click here for more information




If you would like to be contacted regarding Business Protection, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


* Indicates a required field

Name *

Email *

Phone Number *

Additional Information


Relevant Life Insurance

What is a relevant life plan?

Relevant life plans (RLP) are a way of providing death-in-service benefits on an individual basis no matter how small your business is.

What are the benefits?

  • Although the company makes the payments, they’re not normally treated as a benefit in kind, so they’re not included in your income tax assessments. For a higher rate taxpayer, this could be a significant saving.
  • Unlike a registered group scheme, the benefit won’t form part of your annual or lifetime pension allowance.
  • These payments are likely to be treated as an allowable expense for the company in calculating its tax liability.

Who would benefit from a relevant life plan?

  • Small businesses that do not have enough eligible employees to warrant a group life scheme
  • High-earning employees or directors who have substantial pension funds and don’t want their benefits to form part of their lifetime allowance
  • Employees of any type of business
  • Members of group life schemes who want to top up their benefits

RLPs are not suitable for self-employed or equity partners.

How a relevant life plan can cut tax on company costs

Ordinary Life Policy Relevant Life Policy
Payment £1000 £1000
Company Gross Cost Employee NI @ 2%

Income Tax @ 40%

Employer NI @ 13.8%

Total Gross Cost per annum

£34

£690

£238

£1,962

£1,000
Corporation Tax relief Corporation Tax relief @ 19% £373 £190*
Net Cost £1,589 £810*
Saving £779

*Assumes that corporation tax relief at 19% has been granted under the ‘wholly and exclusively’ rules. In both cases we have assumed a payment of £1,000 each year for the life cover on an employee who is paying income tax at 40% and employee’s National Insurance at 2% on the top end of income. We have also assumed that the employer is paying corporation tax at the rate of 19% and will pay employer’s National Insurance at the contracted in rate of 13.8%.

We’ve based the information in our example on our understanding of tax law and practice as at August 2017, so it may change. The tax treatment of all protection plans depend on individual circumstances so may change.

Contact the PIB specialist team on 01352 721300 so we can understand your business’ requirements and bespoke a solution that will ensure the future success and value of your company is protected.




If you would like to be contacted regarding Relevant Life Insurance, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Name *

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Phone Number *

Additional Information


Loan Protection

What is loan protection?

One of the biggest challenges to the success of many businesses is finding the money to set up or expand. And if you’re not fortunate enough to find someone willing to invest in your business, you may have to borrow to realise your plans. Quite often your ability to repay any borrowing depends on one or two key people in your business. If these people were off work for a long time, sales might fall, customers may go elsewhere and profits could drop making the repayment of these debts very difficult. The pressure of trying to run your business and deal with mounting debts is likely to take its toll. If you have protection in place to cover the loan, you’re making sure that even if a key person suddenly becomes ill or passes away, the loan will be paid off. Although you may think you have enough savings and investments to rely on, they’re likely to run out more quickly than you’d expect.

Why Cover the Debt?

With the right cover in place, if you or a key person were to pass away or be diagnosed with a critical illness you could:

  • Repay loans (removing any personal guarantees)
  • Use the previous loan repayments to recruit a temporary or permanent replacement
  • Train one of your other employees to step into the key person’s role

Next Steps

Contact the PIB specialist team on 01352 721300 so we can understand your business’ requirements and bespoke a solution that will ensure the future success and value of your company is protected.




If you would like to be contacted regarding Loan Protection, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


* Indicates a required field

Name *

Email *

Phone Number *

Additional Information


Key Person Protection

In most small and medium sized companies, the success of the business depends on just one or two key people. If you’ve worked with these people for many years it’s easy to underestimate just how valuable they are, how much they know about the company, how many extra hours they put in. But we can never be sure what’s around the corner. Sometimes, without warning, life throws the unthinkable at us. And that’s why business protection is so important. You can’t predict what will happen in the future, but you can make sure you have the right protection in place to help keep your business afloat if a key person becomes critically ill or passes away.

What is key person protection?

Put simply, it insures a business’ key people in case they pass away, become critically ill or find themselves unable to work due to long-term sickness. The success of almost all small and medium sized businesses depends on a few people who make a significant contribution. So making sure the business is covered in the event of their death or serious illness is a fundamental step. What would happen to your business if you or another key person were unable to work due to illness or injury?

Just some of the consequences of losing a key person:

  • Sales could fall
  • It could rock the confidence of your lender, suppliers, customers and your other employees
  • Loans may be called in
  • Suppliers may demand payment up front
  • Without the leadership of you and/or your key person, your employees may decide it’s time to move on

Who are the key people?

The key person may be you, the business owner, or it could be the sales manager, whose contacts and relationships with customers make sure that sales stay on target and the business is profitable. Here’s some ideas of who the key people might be:

  • Owner/proprietor
  • Managing director
  • Sales director
  • Finance director
  • Product designer
  • Production manager
  • Specialist staff

Next Steps

Contact the PIB specialist team on 01352 721300 so we can understand your business’ requirements and bespoke a solution that will ensure the future success and value of your company is protected.




If you would like to be contacted regarding Key Person Protection, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Additional Information


Shareholder or Partnership Protection

Who will control my business?

Losing a partner, member or shareholding director can have a major impact on the success of any business. But it’s not just about the loss of profit a business could suffer. Could your business continue if one of the owners were to pass away or suffer a critical illness? Who would take their place? Not only in performing their day to-day duties, but in deciding how your business is run in the future.

Security for your business

Imagine if one of your co-owners were to pass away. Not only could your business suffer financially because they’re no longer there, but what would happen to their share of the business? You could be forced to work with someone new, e.g. one of their family members. That person may have no knowledge of the business and no interest in it either. But because they now own a share, they have just as much say as your co-owner had before they passed away. If your co-owner suffers a critical illness this creates even more uncertainty. Will they be able to return to work and if so, when? Will they want to sell their share of the business, and who will buy it? By having partnership and shareholder protection in place all of these problems can be avoided. Business protection insurance gives you and your co-owners the security of being able to keep the ownership of the business in the hands of those who have built it. It also makes sure an owner who becomes ill, or the family of an owner who passes away, receives a fair value for their share of the business.

Have you considered what might happen if you or one of the owners of your business becomes critically ill or passes away?

  • They or their family might want to sell their share of the business. This could be to a competitor or some other unsuitable buyer
  • They could force the winding up of the business
  • Perhaps their family may wish to become involved in the business, which at best could be disruptive or at worst unacceptable to the other owners
  • The other owners may have to use funds they intended for other purposes to buy the share of the stricken owner

Next Steps

Contact the PIB specialist team on 01352 721300 so we can understand your business’ requirements and bespoke a solution that will ensure the future success and value of your company is protected.




If you would like to be contacted regarding Shareholder or Partnership Protection, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Additional Information


Personal Insurance

You may have a passion for antiques; enjoy a high tech lifestyle; love to escape to your holiday home or simply have an affection for the finer things in life. Whatever it is that matters most in your world we believe we have the answer.

Shortland Horne through Cooke & Mason, part of the PIB Group, are committed to providing access to a bespoke personal insurance service fully tailored to your individual needs.

Personal

Cooke & Mason aim to deliver above and beyond normal expectations offering coverage for the full range of personal assets and liabilities, but we do this on an exclusive personal service.

Individual

Because our clients are all unique we source solutions to suit you and your lifestyle, searching the insurance market for insurance providers who can provide the high quality, value for money cover that’s right for you.

Service

Your dedicated specialist will efficiently put your policy in place and then continue to give you the high standard of service you require, providing professional support in the event of a claim and regular reviews to help ensure you’re always fully protected.

Protect what’s important to you, including

  • Your home
  • Holiday home
  • Vehicles, including cars and vans
  • Antiques
  • Fine art
  • Jewellery
  • Collections
  • Boats



If you would like to be contacted regarding your Personal insurance needs, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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Tenants Contents Insurance

Shortland Horne through our business partners PIB Insurance Brokers offer a comprehensive range of tenants contents insurance. PIB will discuss with you the most appropriate cover for your needs.

For an initial, no obligation quote please complete and send the form below and PIB will call you.




If you would like to be contacted regarding Tenants Contents Insurance needs, please fill in the form below.

Your response will be sent to Shortland Horne and PIB Insurance Brokers


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About Us

Shortland Horne are respected, professional agents and therefore it is essential that our chosen insurance partner will give the best possible service.

It was vital to us that our business partner had Trusted Adviser status, that they could talk through your options with you and advise you accordingly. We insist that you will be treated as a client, not a number and that quality of service is at the heart of everything they do.

The company we have chosen to work with and to introduce our customers to is PIB Risk Services Limited who trade as PIB Insurance Brokers.

Shortland Horne customers will have your own personal account handler who will offer schemes negotiated on your behalf and wider market access including Lloyds of London if appropriate.

Below is an infographic that gives you an overview of the PIB Group.


Backed by one of the world's largest & most successful investment firms, THE CARLYLE GROUP


Locations & Brands

PIB employs over 1100 people in over 40 offices throughout the UK and Channel Islands





PIB Insurance the original Group company is a dynamic insurance broker with a range of specialisms extending across professions, property, construction, transportation and trade credit.


PIB Risk Management is focused on providing simple, creative and effective solutions to risk management. Services include business continuity planning, health & safety consultancy, fire risk assessment as well as an online risk management solution, xCenta. PIB Risk Management was further strengthened in June 2018 with the acquisition of Lincsafe Health & Safety.


Lorica was established in 2007 and has grown through the recruitment of high quality individuals who drive strong organic growth. The business has strong propositions in property, sports & leisure and cyber, and market leading retention founded upon high levels of service and clients engagement.


Channel Insurance Brokers (CIB) based in Guernsey, is one of the leading Channel Islands insurance brokers, with a broad portfolio of clients across Guernsey, Alderney, Jersey and Sark.


DE Ford is one of the UK’s leading Chartered Insurance Brokers with specialist expertise within the commercial, religious, charity and care sectors, on a local and national level.


Lincsafe was formed in 1993 to provide a specialist health and safety advisory service from large blue chip national companies to small local businesses primarily within the construction sector. Over the years it has developed to provide a nationwide health and safety management service and training to clients throughout the UK and Ireland, as well as a number of overseas projects. Their primary focus is on project inspections and training staff on all matters relating to health and safety.


Wilby specialises in commercial insurance and risk management solutions. Key areas of specialty are in the commercial insurance for caravan dealers and parks and care (children’s and social care, hospices and shelters) sectors, plus motorcycle dealers and construction.


QPI Legal is specialist providing PI insurance to the legal profession. QPI provides risk management, as well as insurance to niche practice solicitors and insurance in the office and cyber related fields.


Cooke & Mason is one of the UK’s leading Chartered Insurance Brokers, employing over 120 insurance, claims and risk management specialists. Strong expertise in the motor trade, haulage and hotel sectors.


Franklands is a Chartered Insurance broker which has been trading for over 30 years and provides commercial insurance with specialisms in professional indemnity and the chartered surveyor sectors.


Thistle Insurance online, affinity schemes and SME with a focus on the leisure and lifestyle, commercial and professional risks markets. It creates, distributes and manages non-brokered niche products for these markets, delivering to consumers and SMEs under the ‘Compass’ and ‘Guard’ brands.


Fish Insurance is a provider of specialist insurance in the UK for people with preexisting medical conditions, disabilities or mobility issues. Also provides insurance cover wheelchairs, mobility scooters, in-home products such as stair lifts and hoists as well as cover for wheelchair accessible vehicles.


Morton Michel is the UK’s leading childcare insurance specialist, offering a range of insurance policies for childminders and nannies as well as nurseries, pre-schools, out of school clubs and other groups connected with childcare.


Albany Childcare Insurance is a leading provider of childcare insurance. Focused on smaller, family run childcare businesses and specialises in providing childcare and nursery insurance. Its products and services complement those of Morton Michel.


PIB Employee Benefits deliver innovative products and services across the whole spectrum of employee benefits for organisations across all areas of financial and nonfinancial rewards that meet the needs of the business and its employees. This includes healthcare, corporate pensions, risk, employee benefit communications and employee benefits technology.


i2 Healthcare is a leading independent specialist corporate healthcare intermediary established to advise corporate clients across a range of sectors on their health insurance and employee wellness requirements. Principal areas of expertise include private medical insurance, group life insurance and income protection cover. i2 was acquired by PIB in June 2018 and joined forces with the PIB Employee Benefits business.


Citynet is a Lloyd’s broker specialising in the placement of commercial business into the London market. They are a leading supplier of specialist products and services to insurance intermediaries including liability, motor fleet, property and professional indemnity.


TFP Schemes, based in Cardiff, was acquired by PIB Group in December 2016. The business was established in 1998 and has become a leading provider of solutions across a range of niche motor markets. TFP Schemes concentrates on providing specialist wholesale underwriting facilities to UK brokers.


Thistle Underwriting is a specialist underwriting business providing Liability Insurances for Tradesmen, Contracting and Construction businesses, including those which have unusual risk features.


aQmen is a Managing General Agent providing specialist insurance policies for charities and social enterprises, faith-based organisations and recruitment agencies. aQmen has served these markets for ten years and has delegated underwriting authorities from leading insurers.


Wheatley Wright (WWG) is a market leading Liability and Associated Risks Insurance Broker. The business has a reputation as a liability insurance specialist and for offering exclusive insurance products which are tailor-made for specific trades or activities. Their focus is primarily within the construction plus engineering and manufacturing sectors with unique specialist enhanced cover.

Click here to view the PIB Group PDF