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
  • Loss of Rent (Residential)

The following optional covers are also available:

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

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.

Property Damage including Loss of Rent
Maximum £5,000,000
£1,000,000 (can be increased)
Property Owners Liability
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
  • Theft of Fabric of Building and Trace & Access extensions - £25,000 limit of indemnity
  • Alternative Residential Accommodation up to 20% Buildings sum insured
  • Standard excess £250
  • Up to 10 locations can be covered
  • Free business and legal helpline
  • 24 hour, 365 day claims helpline