Insurance & Protection
Arranging a mortgage or funding is only part of the picture. Protecting your income, your family, and the property itself is just as important, particularly where financial commitments are significant.
At Adler Green, we advise on both personal protection and property insurance, ensuring that clients have appropriate cover in place alongside their lending. This typically includes life insurance, critical illness cover, income protection, and private medical insurance, as well as insurance linked to property ownership and investment.
Personal Protection
For most clients, protection starts with ensuring that mortgage commitments can be maintained in the event of illness, injury, or loss of income. The appropriate level of cover will depend on individual circumstances, including income structure, existing assets, and the size of the liability being taken on.
We advise on life insurance to cover outstanding borrowing, critical illness cover to provide a lump sum in the event of serious illness, and income protection to maintain cash flow if you are unable to work. For some clients, private medical insurance is also a consideration, particularly where access to treatment and recovery time are priorities.
Our role is to ensure these areas are considered properly and that any cover put in place is proportionate to the risk being taken.
Property & General Insurance
Alongside personal protection, we arrange property-related insurance for homeowners, landlords, and developers. This includes buildings and contents insurance for residential property, as well as more specialist cover where required.
For clients with investment property or development exposure, this may extend to landlord insurance, blocks of flats cover, contractor or contract works insurance, and portfolio policies that bring multiple assets under a single structure. We also advise on loss of rent and rent guarantee cover where income continuity is a consideration.
As with lending, the aim is to match the cover to the underlying risk rather than defaulting to a standard policy.
Who We Work With
We work with homeowners, property investors, and developers, often alongside their wider advisory team. In many cases, protection is arranged in parallel with a mortgage, ensuring that cover reflects the scale and nature of the commitment being taken on.
We also work with professional advisers, including accountants and buying agents, where insurance forms part of a broader financial plan.
Access to Specialist Providers
We work with a range of insurers and specialist providers, allowing us to source cover that reflects both straightforward and more complex requirements. This is particularly relevant where properties are non-standard, portfolios are involved, or cover needs to align with lending terms.
Speak to Adler Green
If you are arranging a mortgage or reviewing your existing insurance or protection cover, we would be happy to discuss your requirements and ensure everything is appropriately protected.
