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. Terms & Conditions.
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. And thanks to our dedicated claims experts, you'll be in safe hands when you need us most. Do you just manage a residential portfolio? Take a look at our multi-property Landlord Insurance.
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.
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:
Important statements about your Property/Properties:
Important statements about your tenants:
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.
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:
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:
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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