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.

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

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