Property owners

Property & Commercial

Up to £10M for the combined Material Damage and Loss of Rent sum insured, any one location.


Material Damage cover for Commercial, Industrial and Residential property owning Landlords. Cover can be purchased on an All Risks basis or restricted to Fire and perils only.

Cover can be extended to include Loss of Rent and Property Owners Liability.

Quote, bind & renew this product online

Save time by issuing cover for majority of our products online. You can receive quotes immediately, benefit from fast-track referral and confirm cover and issue policy documents.

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Key documents

Commercial policy wording

Commercial policy overview

Residential policy wording

Residential policy overview

Product Oversight & Governance


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Helpline details

Commercial and Retail Property claims – 0344 412 9988

Liability claims – 0344 893 9500

Key benefits

Up to £10M combined Material Damage and Loss of Rent sum insured, any one location

Up to £10M Property Owners Liability for each location (higher limits considered on request)

Contract Works £250,000


  • Material Damage
  • Loss of rent & Alternative (Residential) Accommodation
  • Property Owners Liability
  • Legal Expenses

Additional cover

  • Employers Liability
  • Personal Accident
  • Terrorism

Target Business

Commercial, Residential, Blocks of Flats, Buy to Let, Mixed Portfolios, incidental unoccupied properties. Individuals, Limited companies, Managing agents, Residential Management Associations and many more.

Access our knowledgeable underwriters directly. Simply click the link to access the teams contact details.

Request a call back