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Investing in property is risky enough without the added anguish of personal liability and a volatile rental income. An insurance policy that just covers the property and not you leaves you vulnerable to costly claims and serious financial shortfall.
How can you be certain you are not leaving yourself exposed to unnecessary risks?
We specialize in insurance for property owners. Whether you are a private landlord with a single property to let or a professional investor with an extensive portfolio, we have a comprehensive package of insurance products specifically designed to cover you against all eventualities associated with letting property.
Usually covered under a Property Owners Combined policy provides:
- Material Damage: Covering the property, “Fire and Perils” or “All Risks”, including Accidental Damage.
- Employer’s Liability.
- A legal requirement for all businesses employing staff. Covers your legal liability to pay compensation to employees for death, injury or illness arising out of their employment.
- Property Owner’s Liability: Covers your Legal Liability as a property owner to any third party and their property arising from the ownership of buildings.
- Loss of Rent: Covers your lost income due to the property being unavailable to tenants because of an insured peril, e.g. flood, fire, etc. Indemnity period of 12, 24 or 36 months available.
