Skip to main content

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.

  • Developed for commercial properties

    • owned or managed by you
  • Commercial Property Owners

    • unoccupied period 60 days

Key benefits

  • Developed for commercial properties owned or managed by the policyholder
  • 1 hour new business referral Service level Agreement
  • £25,000 Contents Sum Insured provided as standard
  • Property Owners Liability up to £10m auto rated
  • Multi-location discounts
  • Commercial Property Owners unoccupied period 60 days
  • Rent Receivable or Alternative Accommodation 25% of Sum Insured for residential portions as standard
  • Malicious Damage and Theft by Tenant included £5,000 and £1,000 respectively
  • Accidental Damage and Subsidence included as standard
  • Commission flexibility available
  • Investment in data enrichment to accurately price risks
  • Quote up to £5m Buildings Sum Insured without referral, £10m by referral

Risk examples within appetite

  • Commercial property owners
  • Offices
  • Surgeries
  • Retail (with or without flats above)
  • Retail Warehouses
  • Builders Merchants
  • Metal Manufacturing including Precision Engineering
  • Motor repairers
  • Short term Unoccupied Properties (up to 12 months unoccupied, clear occupancy plan, including undergoing renovation)

Risk examples outside appetite

  • Premises occupied as residential only
  • Abattoirs
  • Food processing / Preparation
  • Commercial Mills
  • Laundries
  • Tyre Warehouses
  • Waste
  • Recycling
  • Upholsterers
  • Quarries
  • Unoccupied, undergoing renovation for selling
  • Leisure

Standard covers

Fire and Perils

  • Including AD and Subsidence

Buildings and Contents

  • Excess £250

Landlord Contents

  • £25,000 provided

Alternative Accommodation

  • On residential risks up to 25% of the sum insured

Contract Works Cover

  • Up to £250,000

Trace and Access

  • Up to £2,500 on Commercial risks

Landscaping Costs

  • Up to £25,000 for Commercial risks only

Replacement Locks

  • Up to £5,000 on Commercial

Optional covers

Increased Landlord Contents

Optional increase in Landlord Contents above the standard £25,000

Business Interruption

  • Fire and Perils including AD and Subsidence as standard
  • Loss of Rent resulting from damage covered under Buildings and Landlords Contents
  • Anchor Tenant up to £1,000,000
  • Newly acquired premises up to £2,000,000
  • Action by competent authorities up to £1,000,000
  • Loss of Attraction up to £1,000,000

Employers’ Liability

  • Limit of Indemnity £10,000,000
  • Increased compensation for court attendance
  • Terrorism £5,000,000

Property Owners Liability

  • Limit of Indemnity £10,000,000


  • In respect of Material Damage and Business Interruption

Explore our other products