Commercial Landlord Insurance

Commercial Landlord Insurance is designed to indemnify you (cover your loss) in the event of damage to your property and protect you in the event that a third party is injured on your property or as a result of visiting your property.

Commercial landlord insurance can provide cover for properties let to commercial and residential tenants or a combination of both. This cover would normally include commercial buildings insurance, which provides cover for basic perils like fire, lightning, earthquake and aircraft.

This is known as FLEA cover and would generally apply if you took out an unoccupied commercial property insurance policy. If the property is occupied, then our commercial landlord insurance would normally be extended to cover other risks, such as public liability, employers’ liability, flood, malicious damage, vandalism and loss of rent.

Cover available

• Landlord building insurance
• Landlord contents
• Rent guarantee insurance
• Landlord legal cover
• Emergency callouts cover
• Loss of rent (usually 20% of the building sum insured)

The policies we offer cover all the standard things included in FLEA cover and many other things, such as loss of rent or emergency cover. Please read the key facts and policy document for full terms and conditions.

Landlord contents insurance

If you have furnishings and other contents situated in communal areas or in fully furnished properties you will require this cover.

Landlord loss of rent insurance

If you were to incur a loss, your property may be uninhabitable for a period whilst repairs are being made. During this time the rent you were receiving may be reduced or even nil. Therefore, taking out landlord insurance may protect you against such an eventuality.