Commercial Property Owners

Non-Residential Properties

Core Covers:

• Property Damage - covers the buildings and landlords contents for loss or damage caused by fire & specified events
• Property Owners Liability - covers your legal liability to pay compensation to third parties if they are injured or their property is damaged as a result of an accident caused by you or your employees
• Theft of landlords contents if contents cover selected

Optional Covers:

• Subsidence
• Loss of Rent - covers loss of your rental income if your buildings or contents are damaged by fire or any of the covers given under Property Damage
• Employers’ Liability - covers your legal liability to employees if they are injured whilst working for you.
• Legal Expenses - provides you with legal advice and protection from the legal costs and expenses of legal actions relating to Prosecution Defence, Property Protection and Jury Service. The cover can be extended to include costs relating to:
  • Employment Disputes
  • Tenancy Disputes
  • Tax and VAT
  • Licence Protection
  • Personal Injury
• Terrorism – Extends cover to include loss or damage caused by acts of Terrorism