Property Owners Insurance

Cover options available

Your property owners insurance policy can include any combination of the following covers:

Accidental damage: protecting your property against one-off, unexpected incidents, such as spillages or breakages, covering the cost of repairing or replacing items.

Buy to let: this is a form of Landlord’s insurance, protecting you against the risks associated with letting a property. In a single insurance package, covers include Property Owner’s Liability, Buildings, alternative accommodation for tenants, and loss of rent.

Buildings: commercial property insurance for your premises, protecting the physical structures from fire, lightning, explosion, subsidence/heave/landslip, malicious damage/vandalism, impact (vehicles/aircraft etc) flood, storms and damage.

Engineering insurance: covers plant and machinery, passenger and service lifts, air-conditioning units, hot water and heating supplies, electrical installations, and standby generator equipment.

Landlord’s contents: essential for landlords, particularly if the property is fully rented or part-furnished, typically covers carpets, furniture and electrical items against theft, loss and damage.

Trace & access cover: covers the cost of locating and accessing hidden leaks or burst pipes before they cause costly damage.

Property owners’ liability: provides cover if a third party has suffered damage, loss, injury, or illness while on or linked to your premises. With rising pollution incidents, there’s also the option for Statutory Clean Up Costs cover, including legionella.

Employers’ liability: if you employ one or more people, you must, by law have Employers’ Liability insurance providing financial protection against claims by employees for injury or illness that have occurred as a result of your business activities.

Loss of rental income: covering income you have lost due to tenants moving out and no longer paying rent due to an insured loss.

Overseas property: tailored insurance for your overseas property, whether a city apartment, ski lodge, beach house or otherwise, protecting you against all insurable risks while you are there, away or renting the property out to others.

Legal expenses: covering the cost of defending against potential legal action brought against your business. Disputes may include employment issues, criminal prosecution, debt recovery, contract matters and tax concerns. Evictions, rent recovery, property disputes (eg boundary or planning) are all available as extensions.

Terrorism cover: providing protection against property damage and business interruption caused by acts of terrorism - essential for properties in high-risk urban areas.