Commercial property: Staying in the picture

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Richard Wyatt, property underwriting manager at Ecclesiastical, speaks for just about all underwriters when he says: "What we want is as clear a description of the risk as we can get." Unfortunately, he adds, in the real world, even for a specialist niche insurer like Ecclesiastical - which does about half its business providing all-risks cover for churches and church halls - a really clear view of the target property is hard to come by.

For large contracts, Ecclesiastical will often want to use