Whether your client has a single buy-to-let location or a whole portfolio of properties across the UK, we can provide cover in one comprehensive and tailored policy.

We are interested in property owners with up to 10 UK-based commercial and/or residential properties in their portfolio with a total material damage and loss of rent sum insured of up to £5 million per premises.

Our appetite includes:

• Commercial properties (including retailers).
• Offices and other commercial activities.
• Residential property types (including houses and flats occupied by professionals).

Our Property insurance is designed to provide protection against damage and legal action. It features optional covers such as loss of rent, legal expenses and employers’ liability which are available as required.

We’ve got all the covers you’d expect but the following is where our property owners cover really excels:

• Our property covers are average free.
• Our public and products liability cover includes a Data Protection Act (incl. General Data Protection Regulation) extension with a £1,000,000 limit.
• Optional cover for landlords’ contents up to £50,000.
• Optional cover for employers’ liability for maintenance staff and caretakers.
• Optional cover for legal expenses: we will negotiate legal rights in a dispute with a tenant arising from a break of the tenancy agreement, to repossess the premises or to recover any money due.
• Our building reinstatement includes the additional cost incurred to comply with any recommendations made under any current Energy Performance Certificate.