Probate Pro

Unoccupied probate property insurance for specialist probate law firms.

We know how busy probate and estate administration specialists are.

Advising your clients on the need for insurance, sourcing quotes, and arranging cover can be time-consuming, particularly if the property isn’t in good repair, is listed, or has other features that make arranging insurance more complex.

But even for straightforward properties, arranging insurance takes up too much time.  And when you have placed insurance, are you confident that the policy won’t catch anyone out, meaning a claim might not be paid and all the problems that go with that?

Sometimes, extending the existing insurance arranged by the deceased might seem easier, but that can cause issues if the cover is reduced or conditions that are difficult to comply with are applied.  After all, any underinsurance could result in a Professional Indemnity Insurance claim for your firm.

In addition, you must ensure that common conditions like water system drain-downs and inspections are implemented and complied with.

If there is a claim, this, too, can suck up a lot of your time.  Preparing a claim, contacting, and chasing insurers to get a fair settlement for your client keeps you from valuable legal work.

But there is an easier way that can instantly streamline how you provide insurance and free up your team’s time.

To use Probate Pro, you must sign a terms of business agreement with Insuristic and commit to insuring regularly with Insuristic.

In return, each member of your team will receive access to our secure online portal, where you can get quotes and issue policies.

You can also run reports to see outstanding quotes and ensure all the policies you need are on cover, as well as live policies, cancellations, and lapses.  

Paying for policies is also easy. You don’t need to pay immediately to issue cover. Instead, you will receive an account statement for settlement each month.

Suppose a property has features that require referral to the underwriter, such as the rebuild value is higher than £750,000, it's in a poor state of repair, in a flood area or has non-standard features. In that case, you will have the full support of our FCA principals’ insurance broking team at SJL Insurance.

SJL Insurance will source quotations from several leading insurance providers on your behalf, provide advice, and recommend which policy to choose to ensure you and your clients have appropriate insurance cover. This will save your team a lot of time.

In addition, if the estate has other property insurance requirements, such as it is occupied or tenanted, our SJL Insurance team can help source appropriate cover.

If there is a claim, you can relax.

You will have full access to our dedicated claims team at SJL Insurance.  Your claims account managers will provide advice, help you prepare the claim, arrange any loss adjuster surveys and negotiate a fair settlement with insurers.