Buildings insurance covers the structure of the building, fixtures and fittings as well as the central heating and water system in the event of damage from disasters like storms, fire or flooding.

From storm damage to a flood or fire, landlord loss of rent insurance is designed to protect your rental income, if disaster strikes and your tenants are forced to move out. Or, if you can’t move new tenants in because of damage to your property, it can cover you for the rent lost in this period.

Property Owners’ Liability Insurance protects landlords and property owners in respect of claims made against them in respect of their legal liability for personal injury or property damage, suffered by third parties and arising from the policyholder’s ownership of the property.

Property insurance generally refers to the buildings included in your business assets and includes the structure as well as permanent fixtures and the surrounding grounds (driveways, patios, paths and outbuildings).

Management Liability Insurance, traditionally known as Directors & Officers Insurance (D&O) protects company directors, senior managers and officers of charities, boards and committees if a negligence claim is brought against them in court or at an employment tribunal.

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