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Property Owners

This is a new offering designed for owners of residential properties or commercial property. We offer protection for buildings, contents, loss of rent, employers’ and property owners’ liability

Acceptable Risks

Block of Flats
Mixed Occupancy Risks
Housing with Multiple Occupancy
Shared Accommodation – Professional let
Bedsits – Professional let
Non-standard Construction
Asylum Seekers
Commercial Properties with Residential above

Subsidence including underpinned properties
Criminal convictions
Adverse financial history
Adverse claims history
Works and Renovations
Risks that have been previously declined
Unoccupied properties

Key Features

  • Accidental loss or damage
  • Contract Works up to £100,000 (one hundred thousand pounds) any one contract and in any one period of insurance
  • Contractors’ Interest up to £100,000 (one hundred thousand pounds) for any one contract
  • Further Investigation Expenses up to £10,000 (ten thousand pounds) in any one period of insurance
  • Mortgagee, Freeholder or Lessor interest
  • Public Authorities up to 15% (fifteen percent) of the sum insured
  • Unauthorised Occupation
  • Trace and Access up to £25,000 (twenty five thousand pounds)
  • Managing Agents up to £25,000 (twenty five thousand pounds)

Limits & covers available

Maximum sums insured is £3,000,000 any one risk
£10,000,000 Employers’ Liability
£5,000,000 Public Liability

Optional Covers

Legal Expenses

Unacceptable Risks

Thatched Properties
Any property with Japanese Knot Weed
Grade 1 or A Listed Properties
Wimpey No Fines Construction
Demolition Works
Religious buildings

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