Our commercial landlord insurance explained

If you let a business property, you'll need cover against loss or damage to it.

You'll get the following benefits as standard:
And that’s not all, you'll also get the following benefits, as standard:
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We're help to help with any legal, health & safety or other landlord-related issues when you need it most.

Accidental damage

Our cover includes accidental damage to your property whether it is caused by you or your tenants.

15% multi-property discount

Standard conditions and minimum premiums apply. Discount revoked if first policy cancelled.

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Our friendly sales, service and claims teams are always happy to assist you.

Our insurance is designed for anyone who lets business premises.

It provides cover for damage to your property caused by you or your tenants, plus the following:
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Buildings insurance

For added peace of mind, your property's external and internal structures will be covered against major unexpected events or damage such as:

  • Fire
  • Flood & burst pipes
  • Vandalism
  • Theft
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Loss or damage to your premises

  • Up to £5,000, if you need to change parts or replace your locks if your keys are stolen.
  • Up to £25,000, if your property is occupied without your authority and any utilities are used.
  • Cover for the cost of any boarding up or temporary glazing of broken glass.

Plus, if your property is damaged due to an insured event, we’ll cover your loss of rent.

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Public liability insurance

When you let out a property, you have legal safety responsibilities to maintain your property so it's safe and free from health hazards for your tenants.

If a claim is made against you, our policy can provide cover for claims up to £2 million.

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Residential landlord cover

If you own residential properties, our landlord insurance offers the right level of cover at a competitive price.

You can upgrade your public liability cover to £5 million,

and add on extra cover for employer's liability to your policy.
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Employers' liability insurance

Optional cover available up to £10 million for an injury or damage claim from an employeee including legal representation and associated court costs.

The cover you buy is right for you at the time you buy it.

Please call us 0330 102 4501 with your policy number for any updates to your insurance cover.

Need to check your policy details?

Download the policy wording below:

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