Commercial landlord insurance

Saving you time with your quote

Please ensure that the information provided by you is correct, and you comply with the statements on this page. If your circumstances change between the date you purchase the policy and the policy start date, please call us. Failure to do so may mean that your insurance policy is not valid or that we may not pay all or part of your claim(s).

We don't charge administration fees for mid-term changes to your policy.

If you decide to cancel your policy during the period of insurance an administration fee for cancellation will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus current rate of Insurance Premium Tax where applicable).

The below statements are what you need to agree with for us to be able to offer you this insurance policy.

Neither You, nor Your Directors nor Your Business partners:

• have ever had a proposal for insurance declined or special conditions imposed by any Insurer
• have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation, or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974
• have been the subject of a County Court Judgement and/or ever been cited in any unsatisfied court judgements (or the Scottish equivalent) within the last 5 years
• have been subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years

You/Your business:

• comply with all of your legal obligations as a landlord

Important statements about your Property/Properties:

Your property/properties:

• are built solely of bricks, stones or concrete and roofed solely of slates, tiles, asphalts, concrete, metal or other incombustible materials other than flat roofs
• are secure, watertight and maintained in a good state of repair and will be maintained
• are not Grade 1 Listed in England and Wales, Category A in Scotland, Grade A in Northern Ireland, or the equivalent within the Channel Islands and Isle of Man
• are not sub-let
• are not occupied as halfway houses or bedsits
• are not let to housing associations, Local Authorities or to asylum seekers
• are not located in or on airports, aerodromes or within a nuclear installation.

Important statements about your tenants:

• Only those individuals who have signed the tenancy agreement with you shall permanently reside at the property unless they are:
  • members of the same family
  • the partner of the tenant
  • individuals under the age of 18 for whom the tenant is the legal guardian
• At least one of the individuals who have signed the tenancy agreement must be employed (or have been in the last 6 months), in full time education (or have been in the last 6 months), retired, in receipt of carers allowance or disability benefit at the point of signing the tenancy agreement.
• Have agreed letting periods of six months or more for commercial properties.

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.