Property Owners Non-Standard

• Buildings
• Rent/alternative accommodation for residential risks (20% of Sum Insured)
• Property Owners Liability - £5m LOI (up to £10M available on request)
• Employers Liability for residential risks

Optional Cover

• Rental Income for Commercial risks
• Employers Liability for commercial
• Terrorism

• Single risks or larger portfolios
• Mixed commercial, residential or unoccupied
• Properties of non-standard construction
• Grade 2 listed
• Longer-term unoccupied properties
• Properties undergoing works, including structural
• Residential occupancies including HMO's / Students / Asylum seekers / Air BnB
• Properties occupied by restaurants / takeaways
• Hotels / pubs with late licenses and/or live entertainment
• Multi-tenure risks
• Non-domiciled owners where the property is managed locally in the UK.

• £1,000 + IPT minimum premium
• Low excesses - commercial £400 / residential £250
• A-rated capacity
• Composite Insured and First Loss Payee can be considered
• Wider perils considered for unoccupied properties
• 20% loss of rent / alternative accommodation (residential)
• £5,000,000 property owners liability (higher limits are available)
• £25,000 communal contents (per premises)
• £25,000 landlords contents (residential)
• £10,000 illegal cultivation of drugs (security checks apply)
• Ability to remove 'Average', subject to an up-to-date RCA.