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What does a ‘hard’ insurance market mean to us?

The hard market in insurance is undoubtedly leading to higher premiums and a tougher stance on claims. This is not a good time to be underinsured, as policyholders may suffer a shortfall in pay-out on an otherwise valid claim at a time they can least afford it.

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The valuation of listed and historic buildings for insurance purposes

BCH experience is that listed buildings cost significantly more to rebuild following an insured loss than unlisted buildings.