Protection shaped around your life
Specialist insurance advice for valuable homes, possessions and lifestyle assets, arranged around your individual circumstances. Supported by an experienced broking team and access to an extensive panel of insurers.
A considered approach to protecting what matters
As your assets, interests and responsibilities evolve, your insurance requirements can become increasingly complex.
Elm takes the time to understand your circumstances and consider how each part of your insurance connects. Working with an experienced broking team and an extensive panel of insurers, we help identify potential gaps and arrange protection suited to your needs.
Homes, property and contents
Your home is likely to contain far more than can be captured by a standard insurance policy.
Elm arranges specialist cover for high-value homes, listed buildings, renovations, multiple properties and valuable contents. We consider the property itself alongside jewellery, art, technology, furniture and other possessions to create a clearer picture of the risks involved.
We can also help identify potential gaps caused by rising replacement costs, changing property values or improvements made since your policy was first arranged.
Potential cover may include: Buildings and contents · Listed and period properties · Renovation and building works · Alternative accommodation · Worldwide personal possessions · Domestic staff and liability · High-value individual items
Specialist motor
Specialist vehicles deserve cover that reflects their true value, usage and importance to you.
Elm can arrange insurance for prestige, performance, classic and collectible vehicles, whether held individually or as part of a wider collection. We consider agreed values, repair requirements, mileage, storage and how each vehicle is used.
Where appropriate, multiple vehicles may be brought together under one coordinated arrangement.
Potential cover may include: Prestige and performance cars · Classic and collectible vehicles · Multi-vehicle collections · Agreed values · Laid-up cover · European and international use · Specialist repairs and replacement vehicles
Jewellery and watches
Jewellery and watches can carry both significant financial value and deep personal meaning.
As part of a wider home insurance arrangement, Elm can help protect jewellery, watches and collections at home and while travelling.
We also provide advice around changing market values to help ensure insured values remain adequate as collections grow or values increase.
Potential cover may include: Jewellery and watch collections · Items insured alongside the home · Worldwide cover · Accidental damage · Loss and theft · Newly acquired items · Specialist repair or replacement
Fine art and collections
Collections often grow gradually, while their value, significance and complexity can change over time.
As part of a wider home or property insurance arrangement, Elm can help protect fine art, antiques and collections of financial or personal importance.
We consider valuation, provenance, display, storage, transportation and restoration requirements, while also helping clients understand how a growing collection can increase their overall exposure.
Potential cover may include: Fine art · Antiques · Wine collections · Books and manuscripts · Coins and stamps · Memorabilia and collectables · Transit and exhibition cover · Restoration and loss in value
Holiday homes
Second homes and holiday properties can present different risks from a primary residence, particularly when they are left unoccupied, used seasonally or located overseas.
Elm can arrange cover that reflects how and when the property is used, whether it is solely for personal enjoyment or occasionally occupied by guests.
Potential cover may include: UK and overseas properties · Buildings and contents · Extended periods of unoccupancy · Guest and domestic staff liability · Emergency assistance · Alternative accommodation · Properties undergoing renovation
Yachts and marine
Marine insurance requires a clear understanding of the vessel, where it is kept and how it is used.
Elm can arrange specialist protection for yachts, motorboats and other privately owned vessels, including associated equipment and liabilities.
Cover can be considered around cruising territories, seasonal use, crew arrangements and the vessel’s agreed value.
Potential cover may include: Yachts and motorboats · Agreed value cover · Equipment and personal effects · Racing risks · Crew liability · Transit and storage · European and international cruising
Business insurance
Protection shaped around your business needs.
Alongside private client insurance, Elm can support a range of commercial insurance requirements.
Working with an experienced broking team and an extensive panel of insurers, we help identify the risks surrounding your premises, people, operations and liabilities.
Potential cover may include: Property and contents · Business interruption · Public and employers’ liability · Professional risks · Cyber risks · Motor and fleet · Specialist commercial requirements
Does your insurance still reflect what you own?
Homes are improved, collections grow, new purchases are made and market values change.
As your valuables and wider interests develop, your exposure can increase too. A regular review can help identify inadequate insured values, outdated information and gaps between different policies.
Let’s talk about what you need to protect
Every client, family and business is different. Speak to Elm for personal advice, supported by experienced brokers and access to an extensive panel of insurers.