Unbeatable Commercial Landlord Insurance

If you’re a landlord with one or more properties, we guarantee to beat the price of any other insurer.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & conditions apply.

Commercial Landlord Insurance

Protecting your property from the ground up.

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.

Our specialist business teams take the nuisance out of protecting commercial properties, and are on hand to ensure getting the cover you need is as straightforward as possible. With dedicated specialist claims handlers, claims are dealt with quickly and efficiently, so rest assured your investments are properly protected.

Get a quote
or call us on 0345 303 1764

What’s covered?

Take a look at our Commercial Landlord Insurance with options to increase cover

  • Access to your own specialist claims handler.
  • Public Liability cover up to £2m in case a claim is made against you following an accident associated with your business. Click for detail on 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 to help spread the cost. (New customers 0.0% APR representative subject to eligibility, over 18's only).
  • No administration fees for mid-term amendments.

1Buildings is standard
2Glass replacement following breakage. Replacement Locks following loss of keys (by theft or robbery) with Contents cover.

Optional extras

  • Legal Expenses cover.
  • Subsidence cover - covers you in the event the buildings suffer from subsidence, heave or landslip. Subject to acceptance criteria and any previous Subsidence claim.
  • Personal Accident - cover 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.
  • You can extend your policy to 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.

    Terrorism insurance is an optional cover so an additional premium will apply.

    You can include Terrorism cover to your policy by either processing this online or calling us on
    0345 301 5066 when you take out your policy with us or at renewal as it cannot be added to your policy mid-term.
  • 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
    • are subject to an outstanding County Court Judgement (or the Scottish equivalent)
    • are 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 you 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 maintained in a good state of repair
    • are not Grade 1 listed
    • are not sub-let

    Your properties are not occupied as or let to:

    • halfway houses
    • bedsits
    • housing associations
    • Local Authorities
    • asylum seekers

    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 either employed, in full time education, retired or in receipt of a disability benefit at the point of signing the tenancy agreement.
Get a quote
or call us on 0345 303 1764

Policy documents

View and download policy documents here

The following policy documents apply to policies that were bought or renewed on, or after 8 September 2019 but before 22 June 2021.

The following policy documents apply for policies effective from 22 June 2021 onwards.

Frequently asked questions

About Commercial Landlord Insurance

  • QWhat is the Insurance Act 2015?

    The Insurance Act 2015 is a new piece of UK government legislation that becomes effective on the 12th August 2016. The purpose of this Act is to update the law in certain areas in line with best practise in the modern UK insurance market. To find out more and how it could affect you please go here: www.directlineforbusiness.co.uk/insurance-act-2015-overview

  • QDo you cover boilers?

    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).

  • QWhat's my rebuild cost and where can I find it?

    The rebuild cost is the total cost of the work needed to completely rebuild your property and put it back to the condition it was in before if it was destroyed beyond repair. It’s not the same as the market or resale value of the property.

    If you’re not sure of the rebuild cost, a calculator is available when you get a quote with us. It uses data from the Building Cost Information Service (BCIS) provided by the Royal Institution of Chartered Surveyors.

    The BCIS can’t provide rebuild costs for all properties – in particular it can't provide the value for a flat - so the calculator button might not appear, or you might not see any values when you click on the button.

    If the BCIS can’t provide you with a value, you can get your rebuild cost from a qualified surveyor, your mortgage adviser or letting agent, or if you’ve recently had a property survey.

  • QWhat do Legal Expenses cover me for?
  • QCan I buy a policy if I live outside the UK?

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

  • Q

    How long is a quote valid for?

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

  • QAre carpets and floor coverings included in your Landlord policy?

    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.

  • Q What if I don't have an email address?

    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.

  • QWhat does Malicious Damage by Tenants cover me for?

    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).

  • QWhat are the exclusions on this policy?

    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.

View more questions
Get a quote
or call us on 0345 303 1764