General Commercial

Property Owners Combined Insurance

Property Owners Combined Insurance: View of a large deatched house made of bricks.

Whether you own a single property or multiple, commercial or residential, we can source a policy for you.

If you are a property owner, you need insurance that fits your exact requirements, protecting your assets and investments. Working closely with leading insurers, who have extensive industry knowledge, we will provide a comprehensive cover.

We ensure that all of our clients are offered the guidance they require, including a thorough and detailed risk assessment service that highlights and mitigates any risks to then deliver the most appropriate solution.

Our cover can include: Buildings, Contents, Loss of Rent, Employers’ Liability, Public Liability, Personal Accident and more. Should you have specialist requirements, such as owning an unoccupied or overseas property, we can advise accordingly.

Property Owners Combined News Articles:

Compulsory 5 Year Electrical Safety Checks for Private Landlords

On the 1st June 2020 new regulations came into force requiring that all New Private Tenancies in England require fixed electrical installations to be inspected and tested by a qualified person(s) prior to the commencement of the private tenancy effective from 1st July 2020.

The distinction between Buildings Declared Value and Sum Insured

The Buildings Sum Insured shown on some policy schedules and certificates can result in confusion for policyholders regarding the level of cover they have purchased.

How Often do you Inspect your Trees on Your Property

The latest array of storms in the UK were no doubt the cause of much damage, the issue of liability for damage when a tree falls in stormy winds will resonate for councils and landowners to consider the adequacy of their tree inspection regime.

Non-Standard Construction: Flat or Felt Roof Conditions

Many policyholders are unaware that a flat felt roof is deemed to be non-standard construction by insurers, and need to be specifically declared (even where the insurer doesn’t specifically ask).

Rent Guarantee for Property Owners

If you are a landlord, tenants failing to pay their rent is always a risk – even if you have years of experience

The Importance of Legal Expenses for Landlords

Many property owners of commercial and residential properties arrange their buildings insurance, however legal expenses is not always seen as an essential cover.

Property Owners Insurance: Malicious Damage by Tenants

Landlords with a Property Owners policy may be surprised to learn how few insurance companies include malicious damage by tenants cover as standard and, of those that do, many provide only a small limit of £5,000 to £7,000.