Property Owners

Usually covered under a Property Owners Combined policy providing:

• Material Damage ^{High Priority}
  Covering the property, "Fire and Perils" or "All Risks", including Accidental Damage. Subsidence usually subject to £1,000 Excess.

• Employer’s Liability ^{Legal Requirement}
  A legal requirement for all businesses employing staff. Covers your legal liability to pay compensation to employees for death, injury or illness arising out of their employment.
  
  
• Property Owner's Liability ^{High priority
  Covers your Legal Liability as a property owner to any third party and their property arising from the ownership of buildings.}
  
  
• Loss of Rent
  Covers your lost income due to the property being unavailable to tenants because of an insured peril, e.g. flood, fire, etc. Indemnity period of 12, 24 or 36 months available.

Legal requirement:

• Commercial Motor/Motor Fleet
• Engineering

We also recommend:

• Commercial Legal Expenses
  Covering the Businesses Legal Costs needed to defend or mount proceedings in court.
• Motor Legal Expenses
  Covers the costs incurred in pursuing a third party for costs following a no fault accident.
• Fidelity Guarantee
  Covers the business against fraud or dishonesty of employees.
• Group Personal Accident & Sickness
  Providing the employees of the business with benefits if they are injured or sick.
• Group Private Health Insurance
  Covering the employees for private medical expenses and hospital fees.