Insuristic is a specialist Insurance Broker to the Probate Market.
If you are a solicitor, you should visit our solicitor insurance page instead.
If you are an executor or administrator, our policies have been developed specifically for personal representatives like you and cannot be purchased elsewhere.
You will find our cover easy to buy, with cover and pricing you may struggle to beat.
If you're administering an estate, you may need several insurance policies at different stages of the process, including property insurance and legal indemnity insurance policies for various third-party risks. This page points you to the available policies and helps you find the right cover for your situation.
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 don't just provide policies; we are committed to educating personal representatives on the risks they face (insurable or not) to help you prevent a legal and financial nightmare down the line, sometimes years after probate has been finalised. The following pages are well worth your time reading:
Free downloadable Probate Checklist - covers the various searches you should do, as well as all the insurance policies you should consider. It summarises what you need to know and links to our product and informational pages.
A useful guide to store throughout the process, and to share with beneficiaries to give them a snapshot of the risks and policies available — protecting their legacy and liability. Beneficiaries can be pursued for uninsured losses if the estate has been distributed and the personal representatives don't have the money to meet the claim in full.
Our view is that once a personal representative, you are always a personal representative. You have risks from third-party legal action that could materialise either soon after you get probate, or years down the line. These risks differ depending on whether there is a Will (Testate) or no Will (Intestate). Read the guide that matches your situation:
For more, visit our Risk Management Resources hub, which we will continue to add new resources to. It also covers what to do if probate becomes contentious or you need a solicitor's help.
The rest of this page will point you to our product pages, where you can learn more about the cover of each policy and get a quote.
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.
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 991835. This can be checked by visiting https://register.fca.org.uk/s/.
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