Whether you have:

One property or a portfolio

It doesn’t matter to us if you have one property or a large portfolio, we can arrange a policy to suit your needs. There are discounts available for those people with 3 properties or more and excellent rates can be negotiated for large portfolios.

Residential or commercial

We can arrange insurance for all kinds of properties from standard residential properties to higher risk commercial premises, such as night clubs, takeaways and industrial properties.

Occupied or unoccupied

Unoccupied properties do present problems for some insurers, inevitably premiums are higher and cover is more restricted than it is for occupied properties. We do have markets available that give excellent cover and premiums on unoccupied properties. In addition to this unoccupied properties that form part of a portfolio are easily taken care of. If your property is unoccupied because your are renovating your premises we also have an excellent in house facility for self build properties that includes renovations and extensions.

Whether your tenants are:

Professional

Income Support/DSS

Asylum Seekers

Students

Takeaways

Multiple occupancy

Our insurers all have wide acceptance criteria for tenants. Some tenants are more difficult than others to arrange cover for, however we have a solution that can fit the majority of situations.

One of our dedicated property insurance professionals has a solution to suit your needs.

Our standard cover includes:

Property Damage - Buildings

Our standard cover is arrange on an “all risks” basis, which includes accidental damage, subsidence and theft. On unoccupied properties the cover is generally restriced to Fire, Lightning, Aircraft and Explosion perils only, this can however be extended in respect of unoccupied residential properties for an additional premium.

Loss of Rent

Loss of rental income is automatically included for residential properties at an allowance of 20% of the buildings sum insured. On commercial properties you would insure your loss of rental income in the event that the premises became unoccupied following an insurance claim. The minimum period of insurance for the loss of rental cover would generally be 2 years, to allow for a property to be rebuilt and a new tenant found if necessary. Longer periods can be arranged, where buildings may be complicated to rebuild.

Property Owners Liability

This cover protects you against claims for injury form third parties who may injur themselves on your premises. All property owners policies automatically include property owners liability at a limit of £5,000,000 any one claim in respect of residential properties and £2,000,000 any one claim in respect of commercial properties. Higher limits can be arranged where required.

Optional Covers include:

Landlords Contents

Cover can be arranged for landlords contents within premises, such as fridges, washing machines, carpets and curtains. Other items such as fitted kitchens and bathrooms are included within the cover on buildings.

Legal Expenses

This cover provides for solicitors fees in the event of a legal dispute between you and a tenant.

Employers Liability

If you employ maintenance or cleaning staff for your properties you may have a legal responsibility to purchase Employers Liability insurance. If you are unsure regarding your responsibilities please contact one of our property insurance professionals who will be able to put your mind at ease.

Terrorism

Dependent on the location or type of property you own terrorism insurance could be an absolute necessity, especially with todays uncertain political climate. Please contact us and we can provide you with a quotation.