What’s Covered?

Our property owners’ insurance is like a custom-built shield, wrapping all your commercial and residential properties—big or small—under one smart, protective umbrella. We get it: every property you own or manage comes with its own quirks and challenges, from leaky roofs to rowdy tenants. That’s why we’ve designed this cover to tackle the risks you face head-on, keeping your investments safe and your stress levels low. Here’s a closer look at what you’ll get when you insure with us:



• All-in-One Buildings Cover: Your properties are the backbone of your business, and we’ll protect their physical structures, no matter the type. Picture a cozy residential cottage with a slate roof, a modern apartment block buzzing with tenants, a sleek office space in the city, or a retail unit humming with shoppers—we’ve got them all covered under one policy. This means protection against the heavy hitters: a fire sparking in an upstairs flat, a flood swamping the ground floor, storm winds ripping off shingles, or vandals tagging the walls. We’ll handle the repair or rebuilding costs, so your properties stay standing strong, all without the hassle of juggling separate policies.

• Contents & Equipment: It’s not just the buildings—it’s what’s inside that keeps your properties ticking. For your residential lets, think tenant-shared washing machines, communal TVs, or kitchen fittings; for commercial spaces, imagine office desks, shop shelving, or café counters. If these are damaged—say, by a burst pipe soaking a sofa—or stolen during a break-in, we’ll step in to cover repairs or replacements. Lost a batch of stock to a power surge or had a tenant’s microwave go up in smoke? We’ll make sure you’re not out of pocket, keeping your properties functional and your tenants happy.

• Loss of Rent: When disaster strikes—like a fire gutting a flat or a burst pipe flooding an office—it’s not just the repair bills that hurt; it’s the rent you lose while the space sits empty. Our loss of rent cover keeps your cash flow steady by compensating you for that missing income during the downtime. Imagine a tenant moving out after a storm leaves the roof in tatters, or a shop closing for weeks while flood damage is fixed—we’ll cover the rental revenue you’d normally bank on, so your finances don’t take a hit while repairs are sorted.

• Liability Protection: Owning property means dealing with people—tenants, visitors, delivery drivers—and sometimes, accidents happen. Our liability cover protects you from claims if someone gets hurt or something gets damaged on your turf. Picture a tenant slipping on a wet lobby floor and twisting an ankle, or a loose roof tile crashing onto a parked car below. Without this, you’d be facing legal fees or payouts that could dent your profits. We’ll handle those costs, so a minor mishap doesn’t turn into a major headache, keeping your bottom line intact.

• Portfolio Flexibility: No two property portfolios are alike—maybe you’ve got a single buy-to-let house, or perhaps you’re managing a dozen flats, a couple of shops, and an old warehouse. Whatever your mix, we’ll scale your policy to fit, with room to tweak it as your holdings grow. Need subsidence cover for that Victorian terrace showing cracks? We’ve got it. Run a storefront with huge glass windows that scream “smash me”? Add glass insurance. Want protection for portable gear like a caretaker’s tools? We can bundle that in too. From one property to an empire, we’ll customize your cover to match your risks, your tenants, and your ambitions.

All features are subject to eligibility and underwriting criteria, so let’s sit down and design a plan that’s as solid as your property portfolio—tailored to every brick, lease, and dream you’re building.

Our Other Business Insurance Solutions

Explore our range of policies designed to keep your business running smoothly: