Property Owners Insurance

Our Complete Property Owner package is designed:

• To cover up to 20 premises on one policy
• To protect against a wide range of risks
• To include properties used for leisure, manufacturing, printing, retail, surgeries, warehouse and storage
• To also cover residential property, blocks of flats and properties used for the motor trade    

As a property owner having the right insurance in place is essential to provide you with peace of mind that your property/investment is protected, including cover against loss of rent, property damage and liabilities to the public.

So whether you own one property or a portfolio this package can provide cover for you. 

Get a Property Owners Insurance quote    Retrieve a Property Owners Insurance quote 

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on 0800 048 1669.

Key features

• Property owners liability  - £2m cover as standard with the options to increase to £5m or £10m
• Property Damage – covers loss or damage to your property by an insured event and cost of alternative accommodation for residents if the building can't be occupied up to 20% of the buildings sum insured
• Legal Expenses –up to £100,000 for defending your legal rights

Key features of our policy...

• Employers liability - up to £10m to  cover liability claims arising from employees’ death or injury
• Loss of rent -  covers  loss of rental income if the property is damaged by an insured event (limits apply)
• Personal accident - cover for you and any directors, partners or proprietors aged between 16 and 65
• Terrorism – covers damage to your property as a result of terrorism up to the sums insured (subject to acceptance)

And to help your cash flow there’s no interest to pay for spreading your payments by monthly direct debit and no charges for making changes to your cover.

Please note that unoccupied properties may be excluded from parts of this cover unless notified to and pre-agreed by Allianz.

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Property Owner Insurance Policy Summary Document, or for full details of all the terms and conditions the Complete Property Owner Insurance Policy Wording Document  before you buy. Terms and conditions apply to the benefits listed.

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669.

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Complete Property Owners Core Covers

• Property Damage up to £10m (per location)
• Property Owners Liability - covers liabilities to third parties for accidental damage or injury. £2m cover as standard and up to £5m or £10m available if required
• Legal Expenses with £100,000 standard cover

Optional Covers

• Loss of rent as a result of damage to by an insured event -  cover for up to £750,000 (per annum) available
• Employers Liability - £10m standard cover for any one liability claim of death or injury (reduced to £5m in the case of terrorism)
• Personal Accident  - with flexible options up to £60,000 (£20,000 per person insured), up to age 65
• Terrorism – for destruction damage or loss to the property or business interruption

Additional Benefits

• 24 hour Legal Advice Telephone Helpline – for advice on any business legal matter
• 24 hour Glass Replacement – in event of claim, use our preferred supplier and pay just the excess and VAT, we’ll take care of the rest 
• 24 hour Claims Helpline – open 365 days a year for help when you need it

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Property Owner Insurance Policy Summary Document, or for full details of all the terms and conditions the Complete Property Owner Insurance Policy Wording Document  before you buy.

Get a Property Owners Insurance quote    Retrieve a Property Owners Insurance quote 

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669.

Lloyds TSB Essential Business Insurance is arranged and underwriten by Allianz Insurance plc

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

See below for the most commonly asked questions about Complete Property Owners insurance products. If you have any specific questions about your current policy or the Property Owners Insurance policy call the Business Insurance Centre on 0800 048 1669.

Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quote date.
Q: How far in advance can I get a quote?
You can get a quote anytime, but it will expire after 60 days, so it’s best to get one no more than 60 days before you need cover to start.
 Q: What if I don't know the date of a previous claim when completing my application?
It’s important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you need.
Q: What if I don't know the amount of a previous claim when completing my application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you need.
Q: How many claims can I have had previously?
In order to get an online quote your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past three years. If this is not the case you may still be able to get a quote but you will need to call the Business Insurance Centre on 0800 048 1669.
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the policy wording. Alternatively a summary of the significant exclusions can be found in the Complete Property Owner Insurance Policy Summary Document. In addition, when you buy any additional exclusions or conditions specific to you will be explained and then detailed in your Complete Property Owner Insurance Policy Wording Document .
Q: What are the standard excesses?
The standard excesses on this product vary by section, the main ones are as follows:
Property Damage - variable, as shown in policy schedule
Property Owners Liability - £250 third party property damage excess
Legal Expenses - £1750 for employment claims, otherwise, £500
For further details please refer to the Complete Property Owner Insurance Policy Summary Document.
Q: What is public liability cover?
Public liability is designed to cover you against your legal liability in connection with your business to pay compensation and claimants costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability.
Q: What is employer's liability cover?
Employers' Liability is designed to cover you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf 
Q: What covers are available under this product?
The following covers are available:
Property Damage (Buildings and Contents)
Loss of Rent
Property Owners Liability
Employers Liability
Personal Accident
Legal Expenses
Terrorism
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria are met.
Q: I have some specialist equipment in my property, can I list this somewhere on my policy so I know it is covered?
Should you wish to have any specialist items listed on your policy please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: Does your policy cover damage to car parks and external furniture?
Yes cover is provided, although certain covers are excluded for moveable property in the open. Please see the policy summary for more details

Get a quote online or call the Business Insurance Centre on 0800 048 1669.

Get a Property Owners Insurance quote    Retrieve a Property Owners Insurance quote 

Get a Quote in minutes

Getting a Complete Property Owners quote is simple. You can even do it all online by following the straightforward online process, receiving your quote soon after submitting your request.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

What will you need?

• The construction type of your premises
• The approximate year of build
• Value of property to insure
• The number and amount of any previous claims
• The date you wish the cover to start from

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Property Owner Insurance Policy Summary Document, or for full details of all the terms and conditions the Complete Property Owner Insurance Policy Wording Document  before you buy.

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.