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Property Owners Insurance

Keeping property portfolios as safe as houses

Our Property Owners product is ideal for anyone looking to protect commercial properties in the UK. Whether you have a single site or multiple locations, our cover is extremely versatile and can be adapted to your individual needs, circumstances and budget.

Policies include everything from traditional buildings and contents cover to landlord protection and business interruption. We also accept unoccupied risks, plus we include malicious damage cover and theft by tenants as standard on all our policies.

Key Benefits

  • Exclusive Broker Partnership

    We exclusively partner with brokers, ensuring you have access to our specialised policies and a tailored approach to your insurance needs through your trusted broker.

  • Comprehensive cover built-in

    Including £25,000 Contents cover, Accidental Damage, Subsidence, and Malicious Damage by tenants

  • Business continuity to rely on

    Loss of Rent cover up to 25% of the sum insured for residential portions

  • Cover for the unexpected

    Contract Works up to £250,000 and Trace & Access up to £2,500 for commercial risks

What’s included?

  • Strong liability protection – Property Owners Liability up to £10M
  • Unoccupied property? No problem – Cover for up to 60 days as standard
  • Loss of rent protection – 25% of the sum insured for residential portions
  • Quote quickly – Up to £5M Buildings Sum Insured without referral (£10M by referral)

Properties we cover

We insure a wide range of commercial properties, including:

  • Offices
  • Retail units (with or without flats above)
  • Builders Merchants
  • Metal Manufacturing (including Precision Engineering)
  • Motor repairers
  • Short-term unoccupied properties (up to 12 months, with an occupancy plan)

Not within our appetite?

While we cover many risks, we don’t insure residential-only premises, abattoirs, laundries, tyre warehouses, or waste/recycling operations.

Explore our other products