Property Owners Insurance

Whether you are a freeholder, leaseholder, mortgagee or owner, your premises represents a substantial investment that should be adequately protected.

Property owners insurance provides the following cover:

• Damage to property - loss or damage to buildings, landlord’s fixtures and fittings, walls, gates, fences plus removal of debris and an amount towards architects, surveyors and consultants fees.
• Loss of rent - cover against loss of rent receivable should your premises be unoccupied following loss or damage to your property
• Property owners public liability - protection against claims made by the public or other businesses for death, injury or damage to property brought about as a result of your negligence or that of your employees.
• Employers liability - your liability for injuries to employees at work. If your business employs any staff, including part-time staff, trainees or sub-contractors you are required to have this cover by law.

We can arrange policies for residential and commercial properties from a single buy to let landlord to large and varied property portfolios. Policies can be tailored to meet individual client’s needs, for example you can choose your sum insured and optional extra covers such as landlords fixtures and fittings. This way you make sure you have all the covers you require but do not pay for anything that you don’t need. We can arrange access to free 24hr legal and tax helplines and risk management helplines for clients with some insurers.