Property Owners

Overview

We cover portfolios of properties that vary in size and type, from individuals with a single, buy-to-let property right through to financial institutions that own and manage thousands of commercial and residential properties.

Our product reflects the fact that we understand this business inside out. We appreciate that every portfolio is different. We know that the key obligation is to ensure that properties are maintained to a standard that adheres to specific statutory legislation. Simply select the right cover to give your clients a tailored solution.

Key product features

We cover:

Property damage for buildings and/or contents, either on a specified contingencies or an all-risks basis.
Loss of rent.
Property owners' liability, with a standard limit of £5 million.
Employers' liability.
Heating, ventilation, air conditioning and lifts (through our Engineering cover).
Property owner's legal protection.

Additional benefits

24-hour, 365-days-a-year claims helpline, providing emergency assistance when it's needed.
Confidential legal and tax helpline, offering free support on key business issues, such as disputes with tenants or rent recovery.
Expert advice on all aspects of Risk Management Solutions, including training and consultancy.
Use of our Property Management Insurance Service software package, which automatically apportions premiums to individual properties and produces tenants' certificates - ideal for larger portfolios.
Specialised broker training and wider-market expertise through our Regional Property Owners Consultants.
Building valuation and unoccupied property services.
Counselling service for policyholders and their employees.
Our Prestige service for larger portfolios, providing a tailor-made proposition, with dedicated support.

Useful guidance

We'll consider a range of portfolios, as mentioned in the Overview above. Please bear in mind that:

Portfolios of up to ten residential properties may be better suited to our Residential Property Owners product.
Portfolios with properties occupied for office, retail, residential and light industrial use are desirable, as are those with a good standard of in-house security and Risk Management Solutions.
Properties that are unoccupied or tenanted by certain occupants will be treated with caution.

For full details of cover and exclusions, please see our policy wording documents. You'll also find useful summary of cover documents.

Claims

We recognise the impact a claim can have on your customer's business. We want to get them back to normal as quickly as possible.

New Claims

Fast and simple notification of claims.

Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren't left in a vulnerable position.
UK-based.
Rapid deployment of loss adjusters.
Tried and tested weather response plan.

Report new claims

Reported Claims

Claims experts:

Dedicated Commercial Property teams in Southend and Liability teams in Glasgow.
Proactively minimise impact of a claim to your customer's business.
Interim payments to keep your customers trading.
Online claims tracking.
12 months guarantee on repairs carried out by our approved network.
Claims solutions for all your customers - from sole traders to large organisations.