Commercial & Industrial Property

Excellent Scheme designed to provide Buildings, Landlords Fixtures & Fittings, Loss of Rent protection and Property Owners’ Liability for commercial properties tenanted by high street trades.

Standard Cover

• Property Owners’ Liability £2,000,000
• Loss of Rent up to 20% of the sum insured unless unoccupied
• Trace and Access up to £2,500
• Accidental Damage to cables & underground services up to £2,500
• Loss of Metered Water

Optional Extensions

• Accidental Damage available for all trades except unoccupied
• Landlords Fixtures & Fittings cover available
• Increase Property Owners Liability to £5,000,000
• Shop Front Glass
• Terrorism (ex Northern Ireland)

Features & Benefits

• Up to 25% No Claims Discount
• Over 180 Trades Accepted.

‘Industrial Property Owners’ can cater for over 560 trades.  Providing cover for Buildings, Contents and Loss of Rent protection for commercial & industrial properties tenanted or owner occupied.

Cover is provided for property owners that own or let industrial units and any commercial premises occupied by a manufacturing, wholesale, retail or processing trade.

Standard cover

• Property Owners’ Liability £2,000,000
• Loss of rent up to 20% of the sum insured unless unoccupied
• Glass £2,500
• The cost of replacing external locks following theft of keys up to £1,000
• Trace and Access costs up to £5,000
• Unauthorised use of utilities up to £10,000

Optional Extensions

• Landlords Contents
• Accidental Damage cover available to buildings and landlords contents
• Cover can be extended to included Malicious Damage, Storm and Flood when unoccupied
• Landlords Contents up to a limit of £100,000
• Glass / Canopies / Signs up to a limit of £5,000
• Book Debts up to a limit of £100,000
• £5,000,000 Property Owners Liability
• Terrorism (ex Northern Ireland)

Features & Benefits

• Up to 25% No Claims Discount
• If the property becomes unoccupied at any stage the property can remain on cover under the same policy number.

‘Unoccupied’ is an exclusive property owners policy for commercial and industrial vacant properties.

We can cover buildings whether undergoing refurbishment, renovation, pending sale or awaiting occupation.

Standard Cover

• Cover automatically includes Fire, Lighting, Aircraft, Explosion, Subsidence, Landslip & Heave
• Property owners’ liability £2,000,000

Optional Extensions

• Cover can be extended to include Malicious Damage, Flood and Storm when unoccupied
• Terrorism (ex Northern Ireland)

Features & Benefits

• Cover available for unoccupied properties pending sale and renovation
• Up to 3 year period for the property to be left unoccupied / vacant
• Upto 25% No Claims Discount
• If the property becomes occupied at any stage the property can remain on cover under the same policy number.