Please refer to the policy document for terms and conditions.

For examples of exclusions and limitations please click here.

The following come as standard with our Landlord policy:

Covers loss or damage caused by the following:

• Fire, Lightning and Explosion, Aircraft, Riot, Civil Commotion or Malicious Damage, Earthquake, Subterranean Fire.
• Storm, tempest or flood, Escape of water from tanks, apparatus or pipes, Impact by vehicles or animals, Sprinkler leakage.
• Theft or attempted theft following forcible and violent entry to or exit from your premises.
• Professional fees - covers the cost of Architects', Surveyors', Legal and Consulting Engineers' fees.
• Alternative Residential Accommodation - where the building is unfit for occupation up to 20% of the buildings sum insured.
• Fixed glass - cost of temporary boarding up.
• Metered supplies - covers additional supply charges due to damage up to £500 any one claim and £1000 in any one policy period.
• Trace and access - costs of locating source of escape of water or fuel oil and repair costs incurred through making good damage caused as a consequence of locating the source up to £10,000 in any one period of insurance.
• Landscaped grounds - covers damage to grounds resulting from damage to the buildings up to £10,000 any one claim.

Property owner's liability

• Covers legal liability to third parties for accidental injury or damage up to £2million any one claim.
• Cover includes the legal liabilities of:
  • Your partners, directors or employees.
  • Anyone you are carrying out work for under any contract in respect of that work.
• Overseas personal liability - covers temporary visit to any other country made in connection with the business.
• Defective Premises Act 1972 - protects you from potential liabilities for defects in properties let, sold or disposed of by you.
• Legionellosis - covers your liability up to a limit of £500,000 due to escape of legionella from water systems.

Legal expenses

Basic cover provides you with the legal advice and protection from the professional costs and expenses of legal actions which may arise including:

• Legal advice help line - access to Lawphone which provides advice on all business related legal matters.
• Prosecution defence - covers costs up to £100,000 for defending your legal rights after an event which arises out of your business activities and results in criminal proceedings. You are responsible for the first £500 of each claim.
• Property - covers the costs up to £100,000 of taking legal action relating to damage to your business premises. You are responsible for the first £500 of each claim.
• Jury service - provides up to £100 per day for a maximum of 50 days to cover any shortfall in your salary or wages as a result of attending jury service.