Commercial Landlords
Our Commercial Landlords policy is designed for properties owned by the policyholder and occupied by tenants for office, retail and other commercial/industrial purposes.
Key Selling Points
- Introductory no claim discount available at
new business - No claim discount available at renewal
- Minimum premiums from £100
- Standard excess of £200 for Landlords Contents
and Buildings with an option to vary - Multiple premises discounts
Features
- Engineering Breakdown, including landlords' contents
contained within the tenanted property (when contents
is included). Covers essential items such as lifts, boilers
and access control systems - Free 24 hour advice lines for health and medical
assistance, emergency assistance, glazing, legal advice
and stress counselling - Up to £15,000 cover for frozen or chilled foods and
up to £5,000 for any other perishable goods - Access to a dedicated risk management service
- Option to add accidental damage to Buildings
and Landlords Contents - Alternative Accommodation costs, up to 20%
of the sum insured on the damaged building - Damage to gardens caused by emergency services
up to £25,000 for any one claim
Preferred Risk
- Financial institutions and pension funds
- Institutional investors
- Professionally managed properties
- Properties purpose built for the tenant's trade
- Those with a good standard of securityand risk management
Standard Covers
| Cover | Maximum Limit |
|---|---|
| Buildings | £5,000,000* |
| Public and Property Owners Liability | £5,000,000 (£2,000,000) |
| Glass and Sanitary Ware | Unlimited |
Optional Covers
| Cover | Maximum Limit (up to) |
|---|---|
| Landlords Contents | £250,000 |
| Loss of Rent | £1,000,000* |
| Employers Liability | £10,000,000 |
| Personal Accident | Capital Benefits £50,000 |
*higher limits available on request
The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.
