Property Owners


We have property owners’ offerings for clients ranging from owning small to large portfolios.

Online Trading

Our online offering caters for property owners who let up to 20 properties whether they are residential, commercial or mixed portfolios.

A package product with core covers Property Damage (Buildings, Communal Contents and Glass), Property Owners Liability, Money and Legal Expenses.

Further covers are optional such as Property Damage (Landlords Contents), Business Interruption, Employers Liability and Terrorism.

Our key online covers, limits and acceptance criteria is:

  • Up to 20 properties
  • Buildings sum insured up to £7.5m. inner limits exist…
    • Private dwellings & commercial properties £4m
    • Blocks of flats £7.5m
  • Inflation Protection – Day One or Index Linking for all property types
  • Business Interruption is available as an optional cover
  • £2m, £5m or £10m Property Owners Liability Limit of Indemnity
  • Legionella with a £1m Limit of Indemnity included as standard
  • £100,000 Legal Expenses as standard with an option to increase to £250,000

Offline Trading

For those with large portfolios with 20 plus properties or where a larger sums insured is required.

This flexible product provides a range of covers for businesses involved in the ownership of commercial or residential properties, enabling policies to be tailored to the client’s requirements.

  • Capital Additions – limits up to £5,000,000
  • Replenishment of Fire and Security Equipment up to £50,000
  • Loss of metered utility supplies up to £50,000
  • Trace and Access up to £50,000
  • Environmental Statutory Clean Up Costs up to £100,000 per period of insurance
  • Financial Loss up to £500,000.

Previously available products

Selling points

  • Access to our Landlord website which includes useful advice on letting a property, such as your legal obligations and how to vet a potential tenant
  • Access to free legal and business guides via our business support

For more information about Target Market statements please visitproperty owners.


Key documents

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All current documents

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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.

Claims contacts and services

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.

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.

Service channels

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