Property Package

Property Package

We provide direct access to experienced underwriters across a broad range of property risks

The UK commercial property package insurance market is highly competitive. What makes Burns & Wilcox stand out from the crowd is that we give you direct, personal access to our experienced property underwriting team. We guarantee precisely designed coverage, built to your client’s specific needs.

With a comprehensive appetite for premises-based risks, our underwriting remit spans a wide spectrum of market sectors, ranging from warehouse and distribution providers, to the retail and leisure sector, through to professions and office-based businesses, with a turnover of between £1m and £250m.

We provide cover across the UK, capitalising on our UK network to conduct business ‘on-site’ whenever possible. Having an on-the-ground presence, ensures not only precisely built cover, but also secures the foundations for long-term, personal working relationships. By opening the door directly to our property underwriting team, we aim to make the time from initial discussion to firm orders as short as possible. Combining our property market expertise, access to capacity and analytical capabilities means we can achieve a swift turn-around even for the more complex of risks.

Writing on a primary and excess of loss basis, we provide coverage for a range of commercial clients, who operate in the manufacturing, warehouse and distribution, retail and leisure sectors that are:

  • Premises based risks

  • Experienced and established in their field

  • Turning over between £1m and £250m

  • Professional companies who are committed to understanding and managing risks inherent within their business operations

Featured Intel

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Market Overview – Property Insurance

Contributor: Dave Burridge, Head of Property Package, Burns & Wilcox UK Over the last three years, the Property Insurance market has grappled with double-digit rate increases and reduced capacity. However, Read More

Recent Property Package Wins

Areas Of Specialty

  • Dining & Restaurants
  • Hospitality
  • Tourism
  • Sport & Active Fitness
  • Gaming Venues
  • Visitor Attractions
  • Culture
  • Retail Chains
  • Department Stores
  • Supermarkets
  • Garden Centres
  • Shopping Centres
  • Commercial, industrial, and residential properties

Available Products

  • Property, EL and PL Package coverages offered
  • Property sums insured up to £30m any one location, EL and PL limits up to £10m
  • Competitive and clear wording with extensions available on request
  • Risk management advice provided by team of surveyors with accessible online resource library
  • Claims handling undertaken by DWF Claims to ensure prompt and fair settlement


Withdrawal of BT Redcare Signalling Effective 1st August 2025

BT Redcare have provided alarm signalling products for many years, so that when an alarm is triggered, a receiving centre or keyholders are notified.

However BT have recently announced that all BT Redcare operations will close on 1st August 2025, or earlier for customers whose contracts are due to expire before that date. This is due to the old analogue network being no longer compatible with digital fibre that is being installed across the UK.

What you need to do if you have a Redcare alarm

If your alarm systems will be affected by this or you are unsure as to whether your system is Redcare, please contact your regulated alarm company who will be able to get you the right information about your system and potential alternatives.

In respect of your insurance, cover is likely to have been provided on the basis of the alarm that is in place, so please speak to your insurance broker and provide them with details of any changes to your alarm system. Alarm signalling products with dual path Alarm Transmission System with performance level DP3 certificated to BSEN50136-1:2012 will generally be acceptable to Burns & Wilcox, where Redcare was formerly provided.

Brokers with queries can contact Dave Burridge, Burns & Wilcox Head of Property and Package at

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Head of Property Package
Underwriting Manager, Property Package
Underwriting Manager, Property Package
Underwriting Manager, Property Package
Development Underwriter, Property Package
Development Underwriter, Property Package
Development Underwriter, Property Package
Development Underwriter, Property Package
Development Underwriter, Property Package
Development Underwriter, Property Package
Assistant Development Underwriter, Property Package
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