Property Insurance

Accidental Damage Insurance is designed for landlords and property owners. This type of insurance can protect your property and contents against one-off, unexpected incidents like spillages or breakages, covering the cost of repairing or replacing items.

Buildings Insurance is a vital cover for landlords and property owners as it offers protection to the physical structures of your property from fire, flood, and damage. This type of insurance covers the cost of rebuilding your property and replacing fixtures such as kitchen units and bathroom fittings.

Buy-to-Let Insurance is a form of Landlord’s Insurance, designed to protect landlords against the risks associated with letting a property in a single insurance package. The main covers included are Property Owners’ Liability, Buildings Insurance, alternative accommodation offered to tenants and loss of rent.

If your business employs one or more people, it is a legal requirement to have an Employers’ Liability Insurance policy in place. This type of cover offers financial protection against claims comprising employee injury or illness allegedly as a result of your business activities.

Landlord’s Contents Insurance is essential for landlords, particularly if the property is fully rented or part-furnished. This type of insurance will cover carpets, furniture, and electrical items from theft, loss, and damage.

Legal Expenses Insurance, also known as Legal Protection Insurance, covers the cost of defending any potential legal action brought against your business. Disputes may include employment issues, criminal prosecutions, debt recovery, tax concerns and contract matters.

In its simplest terms, Loss of Rent Insurance will cover the income you have lost as a result of your tenants moving out and no longer paying rent when they can no longer stay in your property.

A tailored insurance package for your overseas property, regardless of whether it is a city apartment, ski lodge, beach house or otherwise. Offering cover for all insurable risks whilst you are there, absent and if you rent it out to others.

Property Owner's Liability Insurance can cover property owners if a third-party has suffered any damage, loss, injury, or illness whilst on or linked to your premises. It can also cover expenses should you need to pay out compensation or need legal advice and representation.

Public Liability Insurance covers your business for the cost of a claim made by a third-party that has allegedly suffered injury or property damage as a result of your business. Offering financial protection, you will be covered for the cost of compensation owed and any legal expenses incurred.

Tenants’ Contents Insurance is designed to offer protection for tenants covering personal belongings from damage, fire, theft and flood. This type of insurance can also offer Tenants’ Liability cover which covers accidental damage to landlord’s property, such as furniture or fittings.

A Terrorism Insurance policy covers property that has been damaged or destroyed because of a terrorist or malicious act. This includes buildings, equipment, furniture and inventory. Policies can also cover Business Income Loss should there be a denial of access or loss of attraction.

An unoccupied property is a vacant property for more than 30 consecutive days due to renovations, tenants leaving, or for seasonal reasons and is considered to be a higher insurance risk. With this type of insurance package, you can protect your properties against loss and damage, fire, theft, burst pipes, vandalism and squatters.