Your premises are the foundation of your business, and we understand the importance of protecting your assets. Our specialist business team is dedicated to safeguarding your Property business. We are here to help guide you through the various options available, making sure you have right combination of property insurance for your needs.
Types of cover
Suitable for Retail, Industrial, Warehouse, Storage Facilities and Offices.
Residential (3-5 properties and Communal)
Suitable for Multiple Residential Properties including DSS, Private, Assisted, Asylum Seekers, Student at Single or Various Locations and Blocks of Flats.
Mixed Use Property
Suitable for properties with multiple uses- for example shops with flats or offices above.
Suitable for both short and long-term unoccupancy and final use (renovation, sale or demolition).
This cover can be an important consideration to include in your Property Insurance to protect against accidental damage following events such as fire, escape of water or burglary.
Material Damage cover helps protect your property when there is physical damage to:
As a Property owner, you are legally responsible for your property ensuring that it is well maintained and does not pose a risk to the public or tenants.
Owning property means that you face the risk of incurring liabilities through your operations therefore a suitable Liability Insurance will help protect you against claims made across a variety of scenarios. There are various Liability options to consider:
Property Owners Liability
As a Property Owner or Landlord, this policy covers you if a member of the public (including tenants) injure themselves on your property or damage is caused to property belonging to someone else.
If you employ staff as part of your Property business, you are legally obligated to have Employer’s Liability in place to help pay compensation if an employee or indeed ex-employee sues you for injury or illness caused by their work.
Public Liability covers your Property business against claims of injury or property damage to a third party.
If you own land, this policy covers you against exposure to claims as result of someone being injured on your land – even trespassers.
This policy has been created with Property Owners and Landlords in mind. It helps protect your Property business by paying out in the event of a claim following loss or damage after insured events (or perils) such as fire, storm or escape of water which prevent tenants from staying at your property.
It is important to be mindful of the maximum amount the insurer is willing to offer for any one claim and within the policy term as well as consider the length of time* it may take to make the necessary repairs rendering your property habitable again for your tenants.
*Planning permission restrictions apply.