From single buy-to-let properties to large mixed-use portfolios and commercial premises — cover that scales with your assets and satisfies lender requirements.
Each property type carries a distinct risk profile. We build programmes that reflect the actual risk — not a standard buildings policy applied across the board.
Single lets, small portfolios and buy-to-let investments
Houses in multiple occupation with shared facilities
Purpose-built or converted, including communal areas and lifts
Retail, office and light industrial premises
Commercial ground floor with residential above
Manufacturing units, storage facilities and trade premises
Empty properties and active development sites
Farm buildings, barns and rural outbuildings
Structured around your portfolio, your tenants, and your lender requirements.
Full reinstatement value cover
Third-party injury & property damage
Income protection if property is unusable
On-site staff, caretakers & cleaners
Tenant disputes, eviction & contract claims
Lifts, pressure vessels & fire suppression
Available for commercial and mixed-use
Protection against non-paying tenants
Properties with commercial units and flats above sit between two distinct risk categories — and standard policies often either exclude or significantly sub-limit one side of the risk. We specialise in combined programmes for mixed-use freehold owners that correctly cover both the commercial and residential elements without gap risk between separate policies.
Underinsurance is one of the most common — and costly — errors in property insurance. Rebuild costs have risen sharply since 2020. We regularly find portfolios insured against values set years ago. At claim time, the insurer applies the "average" clause and pays only the proportion of the loss that matches the insured proportion of the true rebuild cost — leaving owners exposed to very large shortfalls.
Upload Your Schedule — We'll Check the ValuesThe risk profile changes significantly across property types. Here's what matters for yours.
Buy-to-let and residential portfolio owners need cover that reflects tenant risk, void periods and lender requirements — not a standard buildings policy.
HMOs and blocks of flats carry communal area liability, higher fire risk and specific lender and local authority licensing requirements that standard residential policies do not address.
Commercial landlords face a different risk profile from residential — including business interruption from tenant failure, contamination liability and complex specialist reinstatement values.
The presence of residential above commercial — particularly food and beverage tenants — creates a specific fire and liability risk that many standard policies either exclude or sub-limit.
Unoccupied properties and active development sites are among the hardest risks to place — and the most likely to suffer a claim. Specialist cover is essential.
Owners of multiple properties — across any mix of types — typically achieve better cover, better pricing and simpler administration through a single portfolio block policy rather than individual policies on each property.
Include your schedule of values or property list — this allows us to identify any underinsurance risk and price your programme accurately.