Commercial Property Owners

Ideal for owners of commercial property and blocks of flats

For owners of commercial property and blocks of flats, our Commercial Property Owners product offers buildings and property owners liability cover, with accidental damage and glass cover included as standard.

Optional cover is available for loss of rent and employers’ liability.

Engineering inspection & insurance add-on available for larger risks through our regional office network.

Full details of the benefits, exclusions and limitations of the cover can be downloaded from the product literature area below. 

To view the Target Market Statements and Product approval Process, please click here

Product literature

The latest version of the product literature is available to download above. If you need a version prior to those shown or need any other information about our products please contact your broker.


  • All-risks policy wording
  • Multiple properties can be added online
  • Day one reinstatement – 25%
  • Replacement locks following theft of keys up to £5,000
  • Unauthorised use of gas and electricity or water up to £10,000 any one loss
  • Trace & access up to £5,000 any one loss
  • Capital additions and non-invalidation extensions
  • Optional cover available for subsidence, employers’ liability, loss of rent & contents cover


  • Competitive premiums
  • Low minimum premium
  • Extensive list of acceptable occupations
  • Dedicated commercial claims helpline 0330 024 2266 operated 24 hours a day, 365 days a year, by staff trained in managing commercial claims
  • Free 24 hour business legal helpline
  • Option to pay by instalments (via direct debit)