Activate Insurance
Protect your property, your income and your investment
Property Owners Insurance for Residential, Commercial & Industrial
It’s quick and easy to get a quote for your business. Click here to fill out the form or during work hours feel free to e-mail:
01953 711564
Whether you own a single rental property, a portfolio of residential properties or a larger commercial or industrial estate, having the right insurance in place is an important part of protecting your property investment.
We can arrange Property Owners Insurance for a wide range of residential, commercial and industrial properties, helping protect your buildings, rental income and wider liabilities.
From private landlords and property investors to commercial property owners, property companies and larger corporate portfolios, we can consider cover tailored around the property you own, how it is occupied and the risks involved.
Property Insurance for the Way You Own and Manage Property
Every property and every property owner is different.
A private landlord with one personally owned rental property has very different requirements from a property investor with a portfolio of flats, a commercial landlord with multiple tenants or a corporate property company with a large industrial estate.
The type of building, its construction, occupancy, tenant activities, location, rental income and whether the property is occupied or unoccupied can all influence the insurance required.
We take the time to understand who owns the property, what you own, how it is used and what you need to protect, before considering the appropriate insurance solution.
Property Insurance for the Way You Own and Manage Property
Every property and every property owner is different.
A private landlord with one personally owned rental property has very different requirements from a property investor with a portfolio of flats, a commercial landlord with multiple tenants or a corporate property company with a large industrial estate.
The type of building, its construction, occupancy, tenant activities, location, rental income and whether the property is occupied or unoccupied can all influence the insurance required.
We take the time to understand who owns the property, what you own, how it is used and what you need to protect, before considering the appropriate insurance solution.
Who Do We Arrange Property Insurance For?
We work with a wide range of property owners, investors and property professionals, from individuals with a single investment property through to larger businesses and corporate property portfolios.
Private Landlords & Property Owners
We can consider insurance for:
- Private landlords
- Personally owned rental properties
- Buy-to-let property owners
- Landlords with one or multiple properties
- Jointly owned properties
- Family-owned property portfolios
- Owners of residential blocks and apartments
Property Investors & Investment Companies
We also work with property investors and businesses holding property as an investment, including:
- Property investors
- Residential property investment portfolios
- Commercial property investors
- Industrial property investors
- Property investment companies
- Property companies and SPVs
- Mixed residential and commercial portfolios
- Larger corporate property portfolios
Estate Agents, Letting Agents & Property Professionals
We can also work with estate agents, letting agents and property managers who require insurance solutions for properties they manage or clients they represent. If you’re a property professional looking to arrange or review insurance for landlords, investors or property-owning clients, we can discuss the requirements and consider appropriate options.
Private Landlords & Property Owners
We can consider insurance for:
- Private landlords
- Personally owned rental properties
- Buy-to-let property owners
- Landlords with one or multiple properties
- Jointly owned properties
- Family-owned property portfolios
- Owners of residential blocks and apartments
Property Investors & Investment Companies
We also work with property investors and businesses holding property as an investment, including:
- Property investors
- Residential property investment portfolios
- Commercial property investors
- Industrial property investors
- Property investment companies
- Property companies and SPVs
- Mixed residential and commercial portfolios
- Larger corporate property portfolios
Estate Agents, Letting Agents & Property Professionals
We can also work with estate agents, letting agents and property managers who require insurance solutions for properties they manage or clients they represent. If you’re a property professional looking to arrange or review insurance for landlords, investors or property-owning clients, we can discuss the requirements and consider appropriate options.
What Type of Property Do You Own?
We can consider Property Owners Insurance across a broad range of property types.
Residential Property
Cover can be considered for:
• Houses and flats
• Buy-to-let properties
• Blocks of flats and apartments
• Houses in Multiple Occupation (HMOs)
• Student accommodation
• Professional lets
• Multiple residential properties
• Residential investment portfolios
• Unoccupied residential properties
Commercial Property
We can consider insurance for a wide range of commercial premises, including:
- Shops and retail premises
- Offices
- Restaurants and cafés
- Public houses and licensed premises
- Professional premises
- Medical and dental premises
- Workshops
- Trade units
- Business parks
- Commercial units
- Mixed-use buildings
Industrial Property
Industrial properties can present more complex risks, particularly where buildings are used for manufacturing, storage, distribution or specialist activities.
We can consider cover for:
- Warehouses
- Industrial units
- Factories
- Distribution centres
- Storage facilities
- Workshops
- Manufacturing premises
- Trade and industrial estates
- Large industrial buildings
- Specialist industrial property
For larger, more complex or specialist risks, we can also consider access to specialist insurance markets where a standard property insurance approach may not be suitable.
Non Standard, Listed & Heritage Properties
Listed & Heritage Properties
Not every property fits a standard insurance policy.
We can consider non-standard and specialist property risks, including properties with unusual construction, heritage features, specialist materials or circumstances that may make them more difficult to place in the standard insurance market.
This can include:
- Thatched properties and thatched roofs
- Grade I, Grade II and Grade II listed buildings*
- Listed and heritage buildings
- Historic and heritage properties
- Period properties
- Non-standard construction
- Timber-framed properties
- Cob, wattle and daub and other traditional construction
- Barn conversions
- Properties undergoing refurbishment or renovation
- Unoccupied or partially occupied properties
- Properties with unusual or specialist uses
Listed & Heritage Properties
Listed and heritage buildings can have particular insurance considerations, including the materials, construction methods and specialist skills that may be required when repairing or reinstating the property.
We can discuss the property’s listed status, heritage characteristics, construction, rebuild requirements and occupancy, and consider appropriate specialist insurance markets where standard cover may not be suitable.
Thatched Properties
Thatched properties can require specialist consideration because of their construction, materials, fire precautions and the specialist skills that may be required for repair or reinstatement.
Whether you own a thatched cottage, listed thatched property, heritage property or let thatched property, we can discuss the circumstances and consider suitable insurance options.
Difficult-to-Place Property Risks
If you’ve been told your property is non-standard, difficult to insure or outside a standard insurer’s acceptance criteria, speak to us before assuming insurance isn’t available.
Our access to a wide range of UK A-Rated insurers and Lloyd’s of London means we can consider specialist markets for larger, more complex or unusual property risks.
One Property or a Complete Portfolio
If you own multiple properties, arranging insurance across a portfolio can provide a more structured approach than treating every property as an entirely separate risk.
We can consider portfolio insurance for:
- Multiple residential properties
- Blocks of flats
- Mixed residential and commercial portfolios
- Multiple commercial properties
- Industrial property portfolios
- Mixed-use property portfolios
- Larger property investments
We can look at your portfolio as a whole, taking into account the different properties, tenants, uses, values and risks involved.
Whether your properties are personally owned, jointly owned, held through a property company or part of a larger corporate investment, tell us about the ownership structure when you enquire.
What Type of Property Do You Own?
We can consider Property Owners Insurance across a broad range of property types.
Residential Property
Cover can be considered for:
• Houses and flats
• Buy-to-let properties
• Blocks of flats and apartments
• Houses in Multiple Occupation (HMOs)
• Student accommodation
• Professional lets
• Multiple residential properties
• Residential investment portfolios
• Unoccupied residential properties
Commercial Property
We can consider insurance for a wide range of commercial premises, including:
- Shops and retail premises
- Offices
- Restaurants and cafés
- Public houses and licensed premises
- Professional premises
- Medical and dental premises
- Workshops
- Trade units
- Business parks
- Commercial units
- Mixed-use buildings
Industrial Property
Industrial properties can present more complex risks, particularly where buildings are used for manufacturing, storage, distribution or specialist activities.
We can consider cover for:
- Warehouses
- Industrial units
- Factories
- Distribution centres
- Storage facilities
- Workshops
- Manufacturing premises
- Trade and industrial estates
- Large industrial buildings
- Specialist industrial property
For larger, more complex or specialist risks, we can also consider access to specialist insurance markets where a standard property insurance approach may not be suitable.
Non Standard, Listed & Heritage Properties
Listed & Heritage Properties
Not every property fits a standard insurance policy.
We can consider non-standard and specialist property risks, including properties with unusual construction, heritage features, specialist materials or circumstances that may make them more difficult to place in the standard insurance market.
This can include:
- Thatched properties and thatched roofs
- Grade I, Grade II and Grade II listed buildings*
- Listed and heritage buildings
- Historic and heritage properties
- Period properties
- Non-standard construction
- Timber-framed properties
- Cob, wattle and daub and other traditional construction
- Barn conversions
- Properties undergoing refurbishment or renovation
- Unoccupied or partially occupied properties
- Properties with unusual or specialist uses
Listed & Heritage Properties
Listed and heritage buildings can have particular insurance considerations, including the materials, construction methods and specialist skills that may be required when repairing or reinstating the property.
We can discuss the property’s listed status, heritage characteristics, construction, rebuild requirements and occupancy, and consider appropriate specialist insurance markets where standard cover may not be suitable.
Thatched Properties
Thatched properties can require specialist consideration because of their construction, materials, fire precautions and the specialist skills that may be required for repair or reinstatement.
Whether you own a thatched cottage, listed thatched property, heritage property or let thatched property, we can discuss the circumstances and consider suitable insurance options.
Difficult-to-Place Property Risks
If you’ve been told your property is non-standard, difficult to insure or outside a standard insurer’s acceptance criteria, speak to us before assuming insurance isn’t available.
Our access to a wide range of UK A-Rated insurers and Lloyd’s of London means we can consider specialist markets for larger, more complex or unusual property risks.
One Property or a Complete Portfolio
If you own multiple properties, arranging insurance across a portfolio can provide a more structured approach than treating every property as an entirely separate risk.
We can consider portfolio insurance for:
- Multiple residential properties
- Blocks of flats
- Mixed residential and commercial portfolios
- Multiple commercial properties
- Industrial property portfolios
- Mixed-use property portfolios
- Larger property investments
We can look at your portfolio as a whole, taking into account the different properties, tenants, uses, values and risks involved.
Whether your properties are personally owned, jointly owned, held through a property company or part of a larger corporate investment, tell us about the ownership structure when you enquire.
What Can Property Owners Insurance Cover?
The exact cover available will depend on the property, its use and the insurer’s assessment of the risk. Depending on your requirements, cover may include:
Buildings Insurance
Protection for the insured structure of the property against covered events, subject to the policy terms, conditions and exclusions.
Landlords’ Contents
Cover for contents belonging to the property owner within an insured property, where appropriate.
Loss of Rent
Cover that may help protect rental income following an insured event that makes the property uninhabitable or unusable, subject to the policy terms.
Alternative Accommodation
Where appropriate, cover may be available for alternative accommodation following an insured event affecting an occupied residential property, subject to the policy terms.
Property Owners’ Liability
Protection against claims arising from injury to third parties or damage to third-party property in connection with the ownership or management of the insured property.
Legal Expenses
Legal expenses protection may be available where appropriate, helping with certain insured legal disputes and costs, subject to the policy terms and conditions.
Unoccupied Property Insurance
Properties can become unoccupied for many reasons.
You may be between tenants, carrying out refurbishment, waiting for a sale, dealing with probate or holding a property temporarily before its next use. An unoccupied property can present different insurance considerations from an occupied building.
If your property is unoccupied or undergoing refurbishment, tell us about the circumstances so we can consider the appropriate insurance requirements.
What Are You Looking to Protect?
Property insurance isn’t just about the building itself. Depending on circumstances, you may need to consider:
- The buildings
- Landlords’ or property owners’ contents
- Rental income
- Your liability as a property owner
- Tenant-related risks
- Unoccupied periods
- Refurbishment or renovation
- Multiple properties within a portfolio
Tell us about your property, how it is occupied and what you’re responsible for. We can then consider the appropriate combination of cover.
What Are You Looking to Protect?
Property insurance isn’t just about the building itself. Depending on circumstances, you may need to consider:
- The buildings
- Landlords’ or property owners’ contents
- Rental income
- Your liability as a property owner
- Tenant-related risks
- Unoccupied periods
- Refurbishment or renovation
- Multiple properties within a portfolio
Tell us about your property, how it is occupied and what you’re responsible for. We can then consider the appropriate combination of cover.
Cover for Growing Property Portfolios
Your insurance requirements can change as your property portfolio develops.
Cover for Growing Property Portfolios
Your insurance requirements can change as your property portfolio develops.
Buying your first investment property?
Whether you’re purchasing your first buy-to-let property, commercial unit or investment property, we can help you consider the insurance requirements.
Buying your first investment property?
Whether you’re purchasing your first buy-to-let property, commercial unit or investment property, we can help you consider the insurance requirements.
Growing your portfolio?
Adding more properties, blocks, commercial units or industrial premises? We can review your wider portfolio and consider how the properties can be insured.
Growing your portfolio?
Adding more properties, blocks, commercial units or industrial premises? We can review your wider portfolio and consider how the properties can be insured.
Changing tenants?
A change in occupancy or tenant activity can affect the insurance requirements of a property. Let us know when a new tenant moves in or the use of a property changes.
Changing tenants?
A change in occupancy or tenant activity can affect the insurance requirements of a property. Let us know when a new tenant moves in or the use of a property changes.
Refurbishing or renovating?
Major refurbishment or renovation can create different insurance considerations. Tell us what work is being undertaken, whether the property is occupied and the expected duration of the works so that the risk can be considered.
Refurbishing or renovating?
Major refurbishment or renovation can create different insurance considerations. Tell us what work is being undertaken, whether the property is occupied and the expected duration of the works so that the risk can be considered.
Property becoming vacant?
If a property is going to become unoccupied, contact us before the change where possible. Unoccupied properties can require different insurance arrangements.
Property becoming vacant?
If a property is going to become unoccupied, contact us before the change where possible. Unoccupied properties can require different insurance arrangements.
Buying through a company or SPV?
If you hold property through a property company, SPV or corporate structure, let us know when you enquire. The ownership structure can be relevant when arranging the appropriate insurance.
Buying through a company or SPV?
If you hold property through a property company, SPV or corporate structure, let us know when you enquire. The ownership structure can be relevant when arranging the appropriate insurance.
Why Choose Us for Property Owners Insurance?
When you’re protecting property, you need more than a policy that covers the bricks and mortar. You need an insurance broker that understands the property, its occupants, its income and the wider risks associated with ownership.
Why Choose Us for Property Owners Insurance?
When you’re protecting property, you need more than a policy that covers the bricks and mortar. You need an insurance broker that understands the property, its occupants, its income and the wider risks associated with ownership.
Directly Authorised FCA Insurance Brokerage
We are a directly authorised FCA insurance brokerage, working directly with insurance markets to arrange commercial insurance solutions for property owners across the UK.
We take the time to understand your circumstances and help identify the cover that may be appropriate for your property or portfolio.
Directly Authorised FCA Insurance Brokerage
We are a directly authorised FCA insurance brokerage, working directly with insurance markets to arrange commercial insurance solutions for property owners across the UK.
We take the time to understand your circumstances and help identify the cover that may be appropriate for your property or portfolio.
Access to A-Rated Insurers & Lloyd’s of London
We work directly with a wide range of UK Based, A-Rated insurers, providing access to established insurance markets for residential, commercial and industrial properties
For larger, more complex or specialist requirements, we can also access Lloyd’s of London, helping us consider solutions where a standard property insurance approach may not be appropriate.
This allows us to support businesses from commercial SMEs through to larger corporate organisations, from individual property risks to more complex portfolios.
From Individual Properties to Corporate Portfolios
We work with private property owners, landlords, property investors, commercial SMEs and larger corporate organisations.
Whether you own one residential rental property, a block of flats, several commercial units or a substantial industrial portfolio, we can consider your requirements and help source appropriate insurance solutions.
Access to A-Rated Insurers & Lloyd’s of London
We work directly with a wide range of UK Based, A-Rated insurers, providing access to established insurance markets for residential, commercial and industrial properties
For larger, more complex or specialist requirements, we can also access Lloyd’s of London, helping us consider solutions where a standard property insurance approach may not be appropriate.
This allows us to support businesses from commercial SMEs through to larger corporate organisations, from individual property risks to more complex portfolios.
From Individual Properties to Corporate Portfolios
We work with private property owners, landlords, property investors, commercial SMEs and larger corporate organisations.
Whether you own one residential rental property, a block of flats, several commercial units or a substantial industrial portfolio, we can consider your requirements and help source appropriate insurance solutions.
A Local Service with UK-Wide Access
We work with clients across the UK, including property owners and businesses throughout Norfolk and the surrounding region. Our local approach is combined with access to a broad range of national and specialist insurance markets.
A Local Service with UK-Wide Access
We work with clients across the UK, including property owners and businesses throughout Norfolk and the surrounding region. Our local approach is combined with access to a broad range of national and specialist insurance markets.
More Than Just Property Insurance
Your property may be one of your biggest assets, but managing it can involve much more than buildings insurance. If you are a landlord or property investor, you may also be dealing with multiple tenants, rental income, refurbishment, changing occupancy, property management and portfolio growth.
If you’re a commercial or industrial property owner, there may be tenant activities, larger buildings, specialist construction, business use and more complex liability exposures to consider. We can help you look at the insurance requirements as a whole rather than simply arranging a policy for the building.
More Than Just Property Insurance
Your property may be one of your biggest assets, but managing it can involve much more than buildings insurance. If you are a landlord or property investor, you may also be dealing with multiple tenants, rental income, refurbishment, changing occupancy, property management and portfolio growth.
If you’re a commercial or industrial property owner, there may be tenant activities, larger buildings, specialist construction, business use and more complex liability exposures to consider. We can help you look at the insurance requirements as a whole rather than simply arranging a policy for the building.
One Property. One Portfolio. A Complete Approach to Protection.
From a single personally owned rental property to a complex commercial or industrial portfolio, we can help you consider the different risks associated with property ownership.
That can include your buildings, contents, rental income, tenants, liability exposures and changing occupancy, together with any specialist requirements associated with the property.
One Property. One Portfolio. A Complete Approach to Protection.
From a single personally owned rental property to a complex commercial or industrial portfolio, we can help you consider the different risks associated with property ownership.
That can include your buildings, contents, rental income, tenants, liability exposures and changing occupancy, together with any specialist requirements associated with the property.
Frequently Asked Questions
Can you insure privately owned rental properties?
Yes. We can consider Property Owners Insurance for personally owned rental properties, from individual buy-to-let properties through to larger residential portfolios, subject to insurer criteria.
Can you insure property investors?
Yes. We work with property investors and can consider insurance for residential, commercial, industrial and mixed-use investment properties.
Can you insure properties owned through a company or SPV?
Yes. We can consider properties held through property companies, SPVs and other corporate ownership structures, subject to the insurer's underwriting requirements.
Can you insure blocks of flats?
Yes. We can consider insurance for blocks of flats and apartment buildings, subject to the size, construction, occupancy and other characteristics of the property.
Can you insure commercial properties?
Yes. We can consider a range of commercial property risks, including shops, offices, retail units, professional premises, restaurants, workshops and other commercial buildings.
Can you insure industrial properties?
Yes. We can consider industrial risks including warehouses, factories, manufacturing premises, distribution centres, workshops and industrial units, subject to the insurer's underwriting criteria.
Can you insure non-standard properties?
Yes. We can consider a range of non-standard and specialist property risks, including unusual construction, traditional construction, barn conversions and other properties that may fall outside standard insurer criteria.
Can you insure listed and heritage properties?
We can consider listed, historic and heritage properties, including properties with specialist construction or reinstatement requirements, subject to the insurer's underwriting criteria.
Can you insure thatched properties?
Yes. Thatched properties can require specialist consideration, and we can discuss the construction, occupancy, use and other circumstances before considering appropriate insurance options.
Can you insure unoccupied properties?
Unoccupied properties can require specialist consideration. We can discuss the circumstances surrounding the vacancy and consider appropriate insurance options where available.
Can you insure a property portfolio?
Yes. We can consider portfolios containing multiple residential, commercial, industrial or mixed-use properties.
Can you cover properties undergoing refurbishment?
Depending on the extent and nature of the works, appropriate insurance may be available. Tell us what work is being undertaken, whether the property is occupied and the expected duration of the project so that the risk can be considered.
Can estate agents and letting agents work with you?
Yes. We can work with estate agents, letting agents and property managers who require insurance solutions for properties they manage or clients they represent.
Let's Talk About Your Property
Whether you're a private landlord, property investor, property company, commercial property owner, industrial property owner, estate agent or letting agent, we can help you review your insurance requirements.
From personally owned rental properties and buy-to-let portfolios to commercial premises, industrial units, listed buildings, heritage properties, thatched homes and larger corporate property portfolios, we can help arrange an insurance solution around the property you own or manage.
With direct FCA authorisation, access to a wide range of UK A-Rated insurers and Lloyd's of London, full claims management and experience supporting businesses from SMEs through to larger corporate organisations, we can provide a straightforward approach to property insurance.
Get a Quote – Call: 01953 711564
