# Waltons Insurance — Full Reference

> Waltons Insurance Brokers Limited is an independent, whole-of-market business insurance broker based in Liverpool, UK, founded in 1968. They are authorised and regulated by the UK Financial Conduct Authority (FCA registration number 308842, company number 03671217). This file expands on llms.txt with fuller detail for every page on the site.

Contact: 0151 236 4488, info@waltonsinsurance.com. Address: 11th Floor, The Plaza, 100 Old Hall Street, Liverpool, Merseyside, L3 9QJ. Office hours: Monday to Friday, 09:00-16:45.

## Company

### About Us — https://www.waltonsinsurance.com/about-us/
Waltons was founded in 1968 and is one of the few independent insurance brokers in the City of Liverpool with national representation, dealing with the whole of the insurance market on behalf of clients. The firm focuses on specialist sectors where it has built up technical expertise. Leadership team: John Reynolds (Managing Director) and Nigel Draco (Director). The company emphasises long-term client relationships, personal service, and a high client retention rate built over decades of trading.

### Claims — https://www.waltonsinsurance.com/claims/
Claims can be reported by phone on 0151 236 4488 or via an online call-back form requesting claim type, client name, policy number, email, phone, and incident details. Office hours for claims are Monday to Friday, 09:00-16:45; outside these hours, clients are advised to refer to their policy documents for the relevant insurer helpline. Waltons' in-house claims team assists clients through the claims process with insurers.

### Contact — https://www.waltonsinsurance.com/contact/
General enquiry form requesting topic, name, email, phone number and message. Phone: 0151 236 4488.

### Request a Quote — https://www.waltonsinsurance.com/request-a-quote/
Quote request form asking for trade/profession, contact details, business name, address, postcode, annual turnover, and type of cover required. Phone: 0151 236 4488.

### Complaints — https://www.waltonsinsurance.com/complaints/
Waltons operates a formal complaints procedure: contact the team on 0151 236 4488 or info@waltonsinsurance.com, or write to 11th Floor, The Plaza, 100 Old Hall Street, Liverpool, Merseyside, L3 9QJ. A final response is aimed for within eight weeks. If unresolved, eligible complainants (private individuals, businesses with turnover under £6.5m and fewer than 50 staff, small charities, and certain trustees/guarantors) may refer the complaint to the Financial Ombudsman Service within six months of the final response, by phone (0800 023 4567 / 0300 123 9123), email (complaint.info@financial-ombudsman.org.uk), post (Exchange Tower, Harbour Exchange Square, London E14 9GE), or via www.financial-ombudsman.org.uk. Separately, data protection complaints are handled under a distinct procedure overseen by Nigel Draco (Director): complainants should use the downloadable data protection complaint form and email it to nigel@waltonsinsurance.com, or post it to the above address. Waltons aims to acknowledge data protection complaints within 30 days and give a full response within two weeks where possible (up to eight weeks for complex cases). Unresolved data protection complaints can be referred to the Information Commissioner's Office (ICO) by post (Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF), phone (0303 123 1113), email (icocasework@ico.org.uk), or online at ico.org.uk.

### Terms & Conditions — https://www.waltonsinsurance.com/terms-conditions/
Standard website terms of use governing access to waltonsinsurance.com. Covers intellectual property (all site content is owned or licensed by Waltons; personal, non-commercial use only), no reliance on site content as professional advice, limitation of liability (excluding liability for death/personal injury from negligence or fraud, and excluding liability for indirect/consequential business losses), rules on linking to the site, and governing law (England and Wales, with Northern Ireland/Scotland residents able to bring proceedings locally). Contact for terms queries: info@waltonsinsurance.com.

### Privacy Policy — https://www.waltonsinsurance.com/privacy-policy/
Describes Waltons Insurance Brokers as data controller for personal information collected via the website, offices, and services. Categories of personal data collected include contact details, identification details, demographic details, employment information, health information, benefits information, financial information, claims details, marketing preferences, background-checking information (e.g. sanctions/PEP checks where relevant and consented to), and technical/online data such as IP address and cookies (including Google Analytics). Data is used to arrange and administer insurance, process claims and payments, communicate with clients, manage the business, comply with legal/regulatory obligations, prevent fraud, and improve services. Data may be disclosed to service providers, professional advisers, insurers/reinsurers/intermediaries, corporate affiliates, and government/regulatory authorities as required by law; Waltons states it does not sell personal data. Security measures include TLS encryption in transit and restricted employee access. Data is retained as long as reasonably required for legal, regulatory, tax, accounting, and complaint-handling purposes. Contact for privacy queries: info@waltonsinsurance.com, 0151 236 4488, 11th Floor, The Plaza, 100 Old Hall Street, Liverpool, Merseyside, L3 9QJ.

## Business Insurance

### Business Insurance (overview) — https://www.waltonsinsurance.com/business-insurance/
Business insurance protects against financial losses from property damage, liability claims, and business interruption. In the UK, Employers' Liability Insurance is the only legally required cover for most businesses with staff; Public Liability, Product Liability, and Professional Indemnity insurance are commonly needed depending on the business. Self-employed people and online businesses may also need Public Liability, Professional Indemnity, Equipment, Product Liability, and Cyber Liability cover even without a physical storefront. Cost depends on industry/risk level, business size, location, coverage level, claims history, and risk assessment. The page links to all specialist business insurance product pages listed below.

### Construction Insurance — https://www.waltonsinsurance.com/business-insurance/construction-insurance/
Covers property damage, business interruption, public liability, contract works, tools/machinery/plant, fleet, employers' liability, directors & officers liability, and professional indemnity for contractors, builders, developers, architects, engineers, and trades (electrical, plumbing, HVAC, roofing, bricklaying, etc). Cost depends on policy type, project scale, and claims history. Waltons recommends combining Contractors and Public Liability cover, since Public Liability alone does not cover the actual building work carried out. Claims process: notify the insurer immediately, provide documentation (photos, reports, contracts), and work with an adjuster; Waltons' in-house claims team assists throughout.

### Contractor Insurance — https://www.waltonsinsurance.com/business-insurance/contractors-insurance/
Bespoke cover for contractors across trades, typically including general liability, commercial property, workers' compensation, commercial auto, and professional liability, tailored to business size, type of work, and risk factors. Waltons has access to specialist markets for harder-to-place and high-risk trades.

### Professional Indemnity Insurance — https://www.waltonsinsurance.com/business-insurance/professional-indemnity-insurance/
Protects professionals such as doctors, lawyers, accountants, and architects against claims from dissatisfied clients arising from advice, design, or consultancy work. Cover meets the cost of legal defence and compensation where a client suffers financial loss due to professional negligence, mistakes, bad advice, or omissions, and can also cover lost documents, data loss, and breaches of confidentiality or intellectual property. Waltons has access to a wide range of insurers, Lloyd's syndicates, and specialist underwriters to tailor cover to professional body requirements, with enhanced wording where required.

### Cyber Insurance — https://www.waltonsinsurance.com/business-insurance/cyber/
Covers financial losses and operational disruption from data breaches, ransomware, phishing, denial-of-service attacks, and business interruption caused by cyber incidents. May include crisis management support, legal expenses, and regulatory compliance assistance. Policies are customised to the specific risk profile of the business.

### Engineering Insurance — https://www.waltonsinsurance.com/business-insurance/engineers-insurance/
Protects engineering businesses (small projects through large-scale infrastructure) against machinery breakdown, equipment damage, errors and omissions, and public liability. Waltons also advises on related covers such as Professional Indemnity and Marine insurance, and on employment law/health and safety matters, drawing on long-standing engineering-sector relationships.

### Latent Defects Insurance — https://www.waltonsinsurance.com/business-insurance/latent-defects/
Covers the cost of rectifying structural damage caused by design, construction, or material faults in a new build, conversion, or completed building project, where the fault was not apparent at practical completion. Best arranged at the start of a construction project; cover can run through the build and then for 10-12 years under seal. Not a legal requirement, but mortgage lenders often require it before approving funding. Key benefits: no need to prove negligence or fault, protection against developer/contractor insolvency, enhanced saleability, and cover that is freely assignable to future owners. Relevant to property developers, housing associations, and independent builders.

### Manufacturing Insurance — https://www.waltonsinsurance.com/business-insurance/manufacturing-insurance/
Tailored cover for manufacturers and wholesalers of any scale, covering buildings, fixtures and fittings, tools and equipment, stock, business interruption, transit, and liability covers. Waltons conducts a full risk assessment of each manufacturing business's specific processes, plant, machinery and staff, and can advise on health & safety/risk management to help control insurance costs.

### Motor Fleet Insurance — https://www.waltonsinsurance.com/business-insurance/motor-fleet-insurance/
Insurance for vehicle fleets of any size (cars, vans, lorries, or a mix), sourced from specialist fleet insurers. Cover can include courtesy cars, windscreen and breakdown cover across the UK and Europe, with a network of approved repairers.

### Motor Trade Insurance — https://www.waltonsinsurance.com/business-insurance/motor-trade-insurance/
Cover for motor trade businesses of any size, from small traders to large franchise dealer networks, covering premises and on-the-road risks. Includes body repairs, paint spraying, servicing and repairs, and vehicle sales, arranged through the UK's leading motor trade insurers.

### Retail Shop Insurance — https://www.waltonsinsurance.com/business-insurance/retailer-insurance/
Cover for retail businesses of any size (boutiques to department stores), including buildings and contents (fire, theft, flood, vandalism), loss of profits and product, public and employer's liability, goods in transit, business interruption, theft of money, and seasonal stock increases. Waltons assesses fluctuating stock and staff levels and busier trading periods when arranging cover.

### Warehousing & Distribution Insurance — https://www.waltonsinsurance.com/business-insurance/distribution-and-warehouse-insurance/
Cover for wholesalers and distributors of any product type (clothing, food, furniture, electronics, industrial machinery), protecting assets, earnings, and legal liabilities. Policies are adjusted to reflect changing stock levels.

### Community Centre Insurance — https://www.waltonsinsurance.com/business-insurance/community-centre-insurance/
Tailored cover for community centres (often charitable status), including exclusive tailor-made policy wording underwritten by Allianz Insurance (A-rated), with face-to-face visits from Waltons executives.

### Social Club Insurance — https://www.waltonsinsurance.com/business-insurance/social-club-insurance/
Exclusive insurance schemes for Working Men's Clubs, CIU Affiliated Clubs, Political Clubs, Irish Clubs, Royal British Legions, Miners Welfares, Community Centres, and Charities/Non-Profit Centres, including health & safety management support and monthly payment plans.

### Sports Clubs Insurance — https://www.waltonsinsurance.com/business-insurance/sports-club-insurance/
Comprehensive insurance and risk management for sports clubs and function venues (rugby, football, tennis, cricket, hockey, snooker, bowling, golf, and more), with exclusive rates and bespoke cover via Allianz Insurance, covering grounds/facilities, personal accident, and liability.

## Landlord Insurance

### Landlord Insurance (overview) — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/
Specialised policies protecting property owners who rent out properties, covering buildings, loss of rent, public liability, and legal expenses, going beyond what standard home insurance provides (which typically excludes let properties). Waltons has nearly 50 years' experience arranging tailored risk management and insurance for all types of commercial and residential rental property, including warranty-free policies and cover for unoccupied/difficult risks. Not a legal requirement, but often required by buy-to-let mortgage lenders. Covers residential property types (semi-detached, detached, terraced, flats, HMOs, bungalows, maisonettes, student accommodation, holiday lets) and commercial property types (retail spaces, offices, industrial units, mixed-use) via specialised policies. Typically excludes deliberate tenant damage, tenants' personal belongings, extended unoccupied periods without specific clauses, wear and tear, and events like widespread flooding/earthquakes (which need separate cover). Boiler and contents cover are usually optional add-ons. Claims process: understand policy cover, ensure safety and prevent further damage, notify authorities as required, document the damage, contact the insurer, complete the claim form, and await the claims decision (with a right to appeal a rejected claim).

### Buy-to-Let Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/buy-to-let-insurance/
Covers buildings (structural damage, rebuild costs), contents (for furnished/part-furnished lets, with optional accidental damage cover), property owners' liability (injury/fatality claims from tenants or visitors), loss of rent (including optional rent guarantee cover for non-paying tenants who remain in situ), and legal fees (tenant disputes, eviction, liability claims). Excludes everyday wear and tear, tenants' personal belongings, damage from poor installation/workmanship, and animal damage. Average buy-to-let landlord policy cost was £233.90 in 2025, varying by property, location, coverage level, rebuild value, tenant type, and security measures. Not a legal requirement, but mortgage lenders commonly require buildings insurance.

### Commercial Landlord Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/commercial-landlord-insurance/
Protects owners who lease premises to businesses, covering property damage (fire, storms, floods, vandalism, subsidence), property owner's public liability, loss of rental income, optional landlord's contents cover, and optional rent default protection. Excludes intentional tenant damage, general wear and tear, extended vacancy issues, and pest infestations. Cost depends on property location, type/construction, rebuild cost, coverage level, tenant's business activity, and claims history. The landlord is typically responsible for insuring the building structure, while tenants insure their own contents/equipment and public liability. Costs can be reduced via enhanced security, risk management, higher voluntary excess, multi-property policies, and comparing quotes.

### DSS Landlord Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/dss-landlord-insurance/
For landlords renting to tenants receiving benefits such as Universal Credit or Housing Benefit. Covers buildings, landlord contents, property owners' liability, optional malicious damage by tenants, and loss of rent/rent guarantee. Not a legal requirement but often required by buy-to-let mortgage lenders; standard home insurance is invalid once a property is let. Premiums can be higher due to associated risk. Landlords must not operate blanket "no DSS" bans, since UK courts have ruled these unlawful/discriminatory under the Equality Act 2010; tenants must be assessed individually. "DSS tenant" includes anyone receiving any government housing-cost support, including working tenants receiving a top-up benefit. Landlords must inform their insurer if a tenant's benefit status changes during the policy term, or standard cover may become invalid.

### HMO Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/hmo-insurance/
For Houses in Multiple Occupation (HMOs) — properties let to three or more tenants from more than one household sharing amenities. Covers buildings, contents (including communal furnishings), property owners' liability, loss of rent, and sometimes alternative tenant accommodation. Excludes wear and tear, tenants' belongings, pre-existing conditions, and faulty workmanship. Cost depends on property size/type, number of tenants, location, and coverage level. HMOs with five or more tenants from more than one household sharing amenities typically require a licence from the local council; landlords are responsible for checking licensing requirements, and failure to license can lead to substantial penalties. Not a strict legal requirement but usually required by mortgage lenders. Loss of rent cover is typically an optional add-on.

### Landlord Portfolio Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/landlord-portfolio-insurance/
A single policy covering multiple buy-to-let properties (two or more) under one renewal date, rather than separate policies per property. Covers buildings, landlord contents, property owners' liability, and loss of rent across the portfolio, with optional malicious damage, legal expenses, and rent guarantee cover. Excludes tenants' belongings, general maintenance, and wear and tear. Cost depends on the number/type of properties, locations, rebuild values, and coverage level; often more economical than separate policies. Can typically mix property types (residential and commercial) under one policy, with properties added or removed as the portfolio changes and premiums adjusted accordingly. No fixed limit on the number of properties covered.

### Student Landlord Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/student-landlord-insurance/
Specialist cover for properties let to students, who are considered higher risk due to a greater likelihood of accidental/malicious damage and higher tenant turnover. Covers buildings, landlord contents, property owners' liability, and accidental damage; malicious damage by tenants/guests is a standard exclusion but can sometimes be added. Excludes tenants' personal possessions, wear and tear, and general maintenance issues. Typically more expensive than standard landlord insurance due to the higher-risk tenant profile. Portfolio policies are available for landlords with multiple student properties.

### Holiday Home Insurance — https://www.waltonsinsurance.com/business-insurance/landlord-insurance/holiday-home-insurance/
For second properties used for leisure or let to holidaymakers, distinct from standard home insurance which is usually invalid for properties left empty for extended periods or generating income. Covers buildings, contents, public liability (for guest injuries), and loss of rent/income. Excludes guests' belongings, wear and tear, and pest damage. Cost depends on location, rebuild value, coverage level, and whether the property is rented out; often costs more than standard home insurance due to unoccupancy and guest-liability risk. Can cover overseas holiday homes. Allows for much longer vacancy periods than the roughly 30-day limit typical of standard home insurance. Landlords renting out a spare room in their main residence should instead inform their standard home insurer rather than seeking a full holiday-home policy.

## Private Client Insurance

### Private Client (overview) — https://www.waltonsinsurance.com/private-client/
Personal insurance solutions for individuals and families, delivered with the same professional service standard as Waltons' business insurance. Encompasses homes & estates, specialist car, fine art/jewellery/collectables, and yacht & boat insurance.

### Homes & Estates Insurance — https://www.waltonsinsurance.com/private-client/homes-and-estates/
Comprehensive cover for high-value homes and estates with unique features, valuable contents, and potential liabilities. Key features include enhanced property coverage, valuable contents coverage, liability coverage, loss of use coverage, and emergency assistance, plus expert valuation, claims expertise, and risk management advice.

### Specialist Car Insurance — https://www.waltonsinsurance.com/private-client/specialist-car-insurance/
Tailored policies for classic, modified, high-performance, young-driver, business-use, and multi-car vehicles. Because of unique features and higher value, specialist cars may carry higher premiums; Waltons assesses individual needs to recommend suitable coverage.

### Fine Art, Jewellery & Collectables Insurance — https://www.waltonsinsurance.com/private-client/art-jewellery-collectables/
Specialist insurance for fine art, jewellery, and collectables (including antiques, watches and wine), built on over 50 years of experience with collectors. Offers bespoke cover in a single policy without exclusions or separate policies, plus a fast, discreet claims service.

### Yacht & Boat Insurance — https://www.waltonsinsurance.com/private-client/yacht-boat/
Comprehensive marine insurance solutions tailored to boat owners, with expert guidance, competitive pricing, and personalised service to help navigate the complexities of marine insurance.