Property Owners

Commercial _landlords

Our full-cycle Property Owners eProduct is designed for residential and commercial properties owned or managed by the policyholder. It is suitable for single and multi-location portfolios of up to 25 premises.

  • Introductory no claims discount available at new business.
  • No claims discount available at renewal.
  • Minimum premiums from £100 + IPT for Buildings only and £70 + IPT for Contents only cover.
  • Standard excess of £200 for Landlords Contents and Buildings with £100 or £500 options available.
  • Multiple premises discounts.
Premiums From

+IPT for Buildings
  • Engineering Breakdown cover, including up to £250,000 for Computer Equipment, a maximum of £15,000 for Frozen or Chilled Foods and up to £5,000 for other Perishable Goods.
  • Option to add accidental damage to Buildings and Landlords Contents.
  • Alternative Accommodation costs up to the Buildings sum insured.
  • Legal Expenses up to £250,000, with Repossession cover as standard.
  • Theft and Malicious Damage by Tenants.
  • Floor Coverings up to £5,000 as standard, this can be increased.
  • Loss Of or Duplication of Keys up to £15,000 if Buildings insured.
  • Damage to gardens caused by emergency services up to £25,000 for any one claim.
  • Free 24 hour advice lines for health and medical assistance, emergency assistance, glazing, legal advice and stress counselling.

Residential Risks

  • Houses
  • Blocks of flats
  • Flats above shops
  • Buy-to-let
  • Residents’ associations

Commercial Risks

  • Offices
  • Retail properties
  • Industrial properties
  • Professionally managed properties
  • Properties purpose built for the tenant’s trade

The following Policy Documents apply to policies incepted or renewed on or after 25 January 2017.

Property Owners Sales Aid

Property Owners Policy 01/17

Property Owners Key Facts

Property Owners - Notice to Policyholders

The following Policy Documents apply to policies incepted or renewed on or after 12 August 2016 

Property Owners Policy

Property Owners Key Facts

The following Policy Documents apply to policies incepted or renewed prior to 12 August 2016.

Property Owners Policy

Property Owners Key Facts

 Standard Covers

Cover  Maximum Limits (up to)
Buildings* £10,000,000 (£5,000,000)
Landlords Contents £500,000 (£250,000)
Public Liability

£10,000,000 (£2,000,000)

Policy Extension -

Equipment Breakdown 

£5,000,000 per accident

Glass and Sanitary Ware Unlimited

 Optional Covers

Cover Maximum Limits (up to)
Rent Receivable £1,500,000 (£1,000,000)
Employers Liability £10,000,000
Personal Accident Capital Benefits £50,000
Commercial Legal Expense £250,000
Terrorism Available

* Buildings cover is not compulsory for residential properties.
The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.

Available on...

TheHubiconsInsurecom -
ActurisiconsOpenGI -
PowerPlace - CDL -
SSP - Datamaters -

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