Commercial & Industrial
Property Owners


Target Market
Our Commercial & Industrial property owners’ products are suitable for commercial and/or industrial properties that are tenanted, owner-occupied or vacant.

These products provide insurance cover for buildings, contents, loss of rent and property owners’ liability insurance.
In addition, terrorism covers can be added onto our commercial & industrial property owners’ products.

Scheme: Tokio Marine HCC

Features & Benefits

  • Property Owner’s Liability £2,000,000
  • Loss of Rent up to 20% of the sum insured or up to £150,000 alternative accommodation unless unoccupied
  • Trace and Access up to £5,000
  • Accidental Damage to cables & underground service
  • Pro rata cancellation subject to minimum time on risk charge
  • Loss of Metered Water £2,500 any one claim, maximum £5,000 any one period of insurance
  • Unauthorised use of utilities up to £5,000
  • Capital Additions - 10% of the building sum insured or £250,000 whichever is less
  • Illegal cultivation of drugs - clean up costs and remedial work in reinstating your building back to it's original condition if the tenant alters the building without your knowledge - £5,000 in anyone period of insurance (not available if the building is unoccupied)
  • Cover limited to £5,000 for damage caused by malicious persons authorised to be in any part of the buildings

Optional Extras

  • Option to increase Property Owner’s Liability to £5,000,000 (Limit of Indemnity)
  • Wider cover available for unoccupied properties
  • Buildings cover – Accidental Damage available
  • Landlord Contents cover – Accidental Damage available
  • Terrorism is available as an optional extra