HSPG - Heather Smail Property Group
in partnership with
Insurance-Desk
HSPG × Insurance-Desk — property insurance enquiry

Insurance for your
property journey

From HMO conversions and refurbishment projects to completed rental properties, HSPG has partnered with Insurance-Desk to help you explore cover for your property, business and personal protection needs.

Submitting an enquiry is not confirmation of insurance cover. No cover is in place until a policy is agreed.

A UK property undergoing refurbishment — placeholder, replace with supplied HSPG project photograph

HMO development & refurbishment

Planning an HMO conversion or refurbishment?

Buying a property, preparing for works or already developing an HMO? Tell Insurance-Desk about your project so the team can discuss insurance requirements for its current stage and intended use.

Enquiries can cover:

  • Newly acquired properties awaiting works
  • Unoccupied properties
  • HMO conversions and refurbishment
  • Properties undergoing building works
  • Completed projects moving into rental use

Ownership, occupancy, the nature of the works and the project stage can affect insurance requirements. Submitting an enquiry does not mean one policy automatically covers every stage, that cover starts immediately or that every project is eligible — the team will assess your requirements.

Internal refurbishment works in progress — placeholder, replace with supplied HSPG construction photograph

Completed HMOs & rental

A completed refurbished rental property interior — placeholder, replace with supplied HSPG completed-project photograph

Finished the build? Review your property cover.

When your project is complete or tenants are moving in, your insurance needs may change. Speak to Insurance-Desk about cover for completed HMOs, rental properties and property portfolios.

  • HMO and landlord insurance enquiries
  • Buildings and contents requirements
  • Property owners' liability
  • Portfolio insurance enquiries

These are areas to discuss, not benefits automatically included in every policy.

Business insurance

Cover for the business behind the property

Running a property business or development company brings its own risks. Tell Insurance-Desk what you do and they'll discuss the relevant cover.

Personal protection

Protecting your income and the people who depend on you

Alongside property and business cover, it's worth thinking about personal protection — life insurance, critical illness cover and income protection. Protection appointments are booked directly with the Protection-Desk team.

  • Life insurance
  • Critical illness cover
  • Income protection
Or book a protection appointment directly

Personal protection enquiries go through the same HSPG form and are triaged by the Insurance-Desk team. You can also book a protection appointment directly with the Protection-Desk team.

Simple 3-step process

How it works

Submitting an enquiry is quick, straightforward and retains your HSPG attribution throughout.

1

Tell us what you need

Share your project stage and requirements through the enquiry form.

2

The team contacts you

The relevant Insurance-Desk or Protection-Desk team member will contact you to discuss your requirements.

3

Explore the options

The team will explain the available options and the next steps.

Submitting an enquiry does not guarantee acceptance, a quote or cover. The team will review your project details and get in touch.

Insurance enquiry

Tell us about your project

Share the details and the Insurance-Desk team will contact you to discuss your requirements and the available options. This is an enquiry — no insurance cover is in place until a policy is agreed.

  • Cover tailored to your project's current stage
  • HSPG introducer attribution retained automatically
  • Your entered details are preserved if you need to review
Your requirements

Your requirements

Property & business insurance

Personal protection

Personal protection products (life insurance, critical illness, income protection) are noted here and triaged by the Insurance-Desk team. You can also book a protection appointment directly with the Protection-Desk team from the Personal protection section.

Optional
Optional
Your details

Your details

Optional

Privacy notice

Your enquiry is received by Insurance-Desk, an established insurance partner, and shared with the HSPG team as the introducer. Details are used to assess your insurance requirements and to contact you about your enquiry.

Submitting this form is an enquiry, not confirmation of insurance cover. No cover is in place until a policy is agreed.

Privacy policy link: [link to verified Insurance-Desk privacy notice — not yet supplied]

This is an enquiry — no insurance cover is in place until a policy is agreed.

Frequently asked questions

Questions about enquiring

Please provide accurate project details so the team can assess your requirements. Submitting an enquiry does not put insurance cover in place.