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Commercial landlord insurance

Unbeatable commercial landlord insurance

We guarantee to beat the price of any other insurer when you take out a new landlord policy with us.

New policies only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn't apply for short term lets or when Rent Guarantee or Landlord Emergency Cover is added. Terms & Conditions.

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We're proud to have won Best Landlord Insurance Provider at the What Mortgage Awards 2024.

Here's what our customers have to say about Direct Line Landlord insurance.

24/7 Legal advice line for landlords

Whether you're facing a legal problem or just want to check something with a solicitor, you'll get access to a team of experts 24 hours a day, 7 days a week, as standard.

a stitched grey house featuring a red roof and five red windows meant to represent the kind of property a landlord might need to insure.

Registration with DAS Businesslaw required. Services provided by DAS Legal Expenses Insurance Limited. For uncommon and certain country-specific areas of law, the 24/7 helpline will refer you to specialist advisers available Monday to Friday, 9am-5pm, excluding bank holidays.

Find out more about DAS Businesslaw.

What is commercial landlord insurance?

Our commercial landlord insurance is ideal for landlords who rent out properties for commercial use, or have a mixed portfolio of commercial and residential buildings. Take a look at our commercial landlord guide for commonly asked questions.

Our specialist business teams are on hand to make sure getting the cover you need is as easy as possible. Do you just manage a residential portfolio? Take a look at our multi-property Landlord Insurance.

What does commercial landlord insurance cover?

Our commercial landlord Insurance offers high levels of standard cover, plus options to increase limits and extend your cover if you need to. You also have the flexibility to lower your excess for a higher premium, or increase your excess for a lower premium, whatever works for you.

  • Buildings Insurance.
  • Glass replacement following breakage.
  • Replacement locks and keys following accidental loss of keys or evidence where keys have been copied.
    Subject to policy limits.
  • We'll repair or replace your boiler if it breaks down.
    Excludes wear and tear.
  • Damage to flooring that covers entire floor areas such as carpets, lino and laminate.
    Standard cover up to £5,000 with an option to increase.
  • Access to our legal documents service, business guides and 24/7 legal advice helpline as standard via DAS Businesslaw. Document services and 24/7 Helpline provided by DAS Legal Expenses Insurance Limited. For uncommon and certain country-specific areas of law, you'll be referred to specialist advisors available Mon-Fri, 9am-5pm, excluding bank holidays.
  • Public Liability cover of £2 million as standard (option to increase) in case a claim is made against you following an accident associated with your business.
    Why all landlords need public liability cover
  • We'll pay to relocate your tenants following an insured event such as a flood or fire.
    Subject to policy limits.
  • 0% interest if you wish to pay by instalments in the first year.
    New customers 0.0% APR representative subject to eligibility, over 18's only.
  • No admin fees for mid-term amendments.

Optional cover

  • Employers' Liability - protection if an employee claims against you for an injury caused while at work.
  • New-for-old contents insurance.
    Contents insurance is only available when also buying buildings insurance.
  • Theft by tenant.
  • Loss of rent - we'll pay your lost rent if your property becomes uninhabitable following an insured event such as a fire or a flood.
  • Malicious Damage by Tenants.
  • Legal expenses.
    Covers the cost to defend your legal rights for various business incidents such as legal defence, eviction of squatters and repossession.
  • Subsidence - covers you in the event the building suffers from subsidence, heave or landslip.
    Subject to acceptance criteria and any previous subsidence claim.
  • Personal accident - pays up to a maximum benefit of £50,000 in respect of death or a weekly benefit of £250 if temporary disabled to insured persons between the ages of 16 -75 if they are unable to work because they've been injured in an accident, whether in a business or personal capacity
  • Terrorism - help protect your commercial property against damage caused by acts of terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and/or loss of rental income.

    Acts of terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government. Terrorism cover is not available for properties that are located in the Channel Islands, Isle of Man or Northern Ireland. An additional premium will apply and is available only on a new policy or at renewal.

Commercial landlord insurance policy documents

When you get a quote, we'll send you a personalised policy document that shows the cover you've chosen.

These can also be found when you log into My Account. Here you can find examples of our latest commercial landlord insurance documents which show the main covers we offer, plus exclusions.

To make sure you download the right document, please select the dates that cover the period you bought or renewed your policy and the latest version of the document will be displayed.

Frequently asked questions

The Insurance Act 2015 is a piece of UK government legislation that came into effect on August 12 2016. The Act updated the law in certain areas in line with best practice in the modern UK insurance market. Find out more about how the Insurance Act 2015 could affect you.

If you select our Buildings cover, you'll automatically get Equipment Breakdown cover. This pays to repair or replace your boiler, irrespective of its age, if it breaks down, but excludes wear and tear. Read more about our boiler insurance cover.

To make a claim, you need to arrange for a boiler engineer to visit your property and assess the boiler. They need to submit their report to us, so we can assess whether the claim is covered. If it is, we'll reimburse you for the repair/replacement costs, including parts, labour and call out charges, less the £200 excess.

This cover is not a maintenance contract - it doesn't cover servicing or Gas Safety Certificates (CP12).

The rebuild cost is the total cost for materials, labour, professional fees, debris removal and VAT (if applicable) to rebuild the property to the condition it was before if it was destroyed beyond repair. This is not the property's market value.

If you're unsure, you can get the rebuild cost from a qualified surveyor or use the ABI Public Rebuild Calculator.

It's your responsibility to make sure the insured rebuilding cost is enough to cover the cost of rebuilding the property.

Legal expenses is optional and covers you for legal costs in connection with:

  • repossession
  • nuisance and eviction of squatters
  • rent recovery
  • dilapidations and maintenance
  • tax protection
  • personal injury
  • property protection
  • debt recovery
  • tenancy and contract disputes
  • statutory licence appeal
  • legal defence
  • employment disputes and compensation awards

Please refer to the policy booklet for more information.

Yes, you can, provided that the property you are insuring is in the UK. We don't insure property outside the UK.

Your quote is valid for up to 30 days from the day you receive it.

Yes, we automatically include £5000 of cover for floor coverings, such as linos and carpets, in our Landlord Contents cover. You can choose to increase this limit if you wish.

To get a quote online you'll need to enter a valid email address. If you'd like help getting a quote, call us on 0345 303 1756.

Malicious Damage by Tenants covers you for damage to your property inflicted deliberately by people lawfully on the premises, such as tenants and their invited visitors. Examples of malicious damage are vandalism and cannabis farms. (Click here for advice on how to prevent your property being used as a cannabis farm).

Please refer to the policy summary document where we detail the general exclusions. For more details please refer to your policy wording or call our customer services department on 0345 303 1756.

Whether you're a landlord or a tenant, it's extremely important that the lease sets out full details of who will insure and exactly what is being insured.

It's the responsibility of the landlord (otherwise known as the owner or freeholder) to arrange commercial buildings insurance.

The tenant should look at arranging cover for their contents and any tenant's improvements. Tenants improvements being permanent alterations to the building they've made which wouldn't be covered under the landlord's buildings insurance policy.

Prices will vary as there are a number of factors used to calculate the cost of commercial buildings insurance, including:

  • The materials the building is constructed of
  • The rebuilding value. This should be the total cost for materials, labour, professional fees, debris removal and VAT (if applicable) to rebuild the property to the condition it was in before.
  • Building location
  • Building age
  • Building use
  • Claims experience

Commercial property insurance is suitable for landlords who let their property out to businesses.

If you're the owner of the property then you should look at arranging insurance cover for the commercial building to protect your investment from an insured event such as fire, flood or storm so you can get it repaired and your tenants can operate safely again.

Property owners liability covers you for claims for injury to a third party or damage to their belongings caused by the property.

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