Insuristic is a specialist Insurance Broker to the Probate Market.
Our policies have been developed specifically for people who are administering and distributing an estate and cannot be purchased anywhere else.
You will find our cover easy to buy with with cover and pricing that may struggle to beat.
This page briefly explains the insurance policies you should consider, pointing you to more detailed information if you need it.
There isn’t a specific policy called probate insurance. However, it is often used by the executors or administrators of an estate to search for the various insurance policies they need.
If you search for Probate Insurance, you will likely see companies offering probate property insurance. However, Probate Insurance is much more than that; there are several insurance policies to consider.
The liabilities of anyone appointed as an executor or administrator can be significant. They may not be apparent for many years, so it is essential to consider all the insurance options available to you.
Beneficiaries can also be affected by uninsured losses that reduce the estate's value or impact them financially in the future following a claim from a third party. Disgruntled beneficiaries, frustrated about their losses and lack of insurance protection, can hold executors personally liable for not protecting them.
Such losses can be financially catastrophic for executors but avoidable with adequate insurance protection.
We have written an Executor Insurance Guide, which may also be useful. The guide covers your risks, risk management and summarises the insurance policies available to you.
Executors and administrators are legally responsible for insuring a property during probate.
To avoid future liability for uninsured losses, it’s crucial to arrange the right insurance policy. Insuristic offers a specialist Probate House Insurance policy suitable for any stage of the process.
This policy can be arranged as soon as the property becomes empty, with cover ending when it is sold, inherited, or reoccupied. Flexible options are available for 3, 6, 9, or 12 months, with three levels of cover to suit your needs, and no fees for early cancellation.
Learn more and get a quote today by visiting our Probate House Insurance and Buy the Best Probate House Insurance pages.
Insuring a property during probate becomes more complex when it's occupied.
Standard home or unoccupied insurance policies often fall short, leaving executors and administrators vulnerable.
Learn about the unique challenges and specialist solutions for occupied probate properties.
Learn more or 'Get a Quote' on the Occupied Probate Property Insurance page.
Estate Protect Direct simplifies probate legal indemnity insurance for a wide range of individuals and professionals involved in estate administration. Whether you’re a DIY executor, working with a solicitor, or a solicitor arranging insurance for your clients, this solution is designed for you.
Get a quote online for Early Distribution, Section 27, Missing Will, and Missing Beneficiary Insurance, available as a package or standalone policies.
Learn more by visiting the Estate Protect Direct page.
Help beneficiaries access their inheritance faster with an Early Distribution Insurance policy, without waiting for the statutory 6-month period to expire. This policy provides essential protection for executors, personal representatives, and beneficiaries against claims made under the Inheritance (Provision for Family and Dependants) Act 1975.
Learn more or 'Get a Quote' on the Early Distribution Insurance page.
Section 27 Indemnity Insurance protects executors, personal representatives, and beneficiaries against legal liability from claims made by unknown creditors of the estate.
If an unknown creditor comes forward after the estate has been distributed, this policy covers the cost of defending the claim, associated expenses, and repayment to creditor, up to the chosen limit of indemnity.
The insurance is available whether or not a Section 27 notice has been issued.
Learn more and get a quote by visiting the Section 27 Insurance page.
Missing Will Insurance is essential protection for executors and personal representatives, safeguarding them from liability if the estate is not distributed in line with the latest Will.
If a newer Will is discovered, the policy steps in to protect executors from legal liability and shields beneficiaries from the need to repay some or all of their inheritance. It covers legal costs and any awarded sums to a successful claimant, up to the indemnity limit selected by the executors.
Learn more and get a quote today on the Missing Will Insurance page.
Missing Beneficiary Indemnity Insurance provides vital protection for executors, administrators, and beneficiaries against financial claims made by missing beneficiaries after an estate has been distributed.
Commonly arranged for intestate estates or where there is a Will but a beneficiary cannot be traced.
This insurance can be arranged in two scenarios:
The policy safeguards all parties involved in the estate administration process, offering peace of mind against unexpected claims.
Learn more and get a quote today from the Missing Beneficiary Insurance page.
Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599. This can be checked by visiting https://register.fca.org.uk/s/.
Registered Office: Unit 2, 262 Walsall Road, Cannock, England, WS11 0JL. Registered in England and Wales No: 13926650.
Insuristic is a registered trademark. ©Copyright 2023 Insuristic Limited. All Rights Reserved.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.