Property Owners

A flexible product that caters for the needs of commercial and residential
property owners

Our Property Owners product is a modern product that combines the needs of both commercial and residential property owners in a comprehensive all risks single policy.

The core policy provides cover for:

  • Property Damage
  • Property Owners Liability
  • Equipment Breakdown
  • Loss of Rent (Residential)

The following optional covers are also available:

  • Contents
  • Employers Liability
  • Legal Expenses
  • Terrorism
  • Loss of Rent (Commercial)

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.

Property Damage including Loss of Rent
Maximum £5,000,000
£1,000,000 (can be increased)
Property Owners Liability
Equipment Breakdown
Loss of Rent - Residential
33.3% of building sum insured
Contents (optional)
£250,000 (can be increased)
Employers Liability (optional)
Legal Expenses (optional)


  • Standard sum insured up to £1,000,000 Buildings and £250,000 contents, but can go up to £5,000,000 max sum insured for buildings, contents and loss of rent
  • Standard limit of indemnity under Property Owners Liability of up to £5,000,000 including legionellosis
  • Standard Equipment Breakdown up to £5,000,000
  • Theft of Fabric of Building and Trace & Access extensions - £25,000 limit of indemnity
  • Alternative Residential Accommodation up to 20% Buildings sum insured
  • £100 standard excess for residential risks and £250 for commercial
  • Up to 10 locations can be covered
  • Free business and legal helpline
  • 24 hour, 365 day claims helpline