Insurance for UK Commercial Property Owners

Insuring UK property owners against uncertainty

Protecting key physical assets is essential for creating a successful and sustainable business and is perhaps the most important protection that a company will buy. It is the cornerstone that helps ensure businesses continue to trade after a disaster. At Travelers we understand the wide and varied exposures faced by property owners in the UK.

Our bespoke and detailed policy has no maximum limit for locations and offers an option to quote for both residential and commercial risks. It also includes a broad range of cover extensions as standard. We also offer a risk consultancy proposition for larger risks. Property owners can feel reassured that their business will be protected − even if the worst happens.

Our appetite

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We cover

These fall within our appetite, and we’re happy to discuss details.

  • Leisure, museums & cinemas
  • Offices
  • Retail
  • Surgeries
  • Light industrial, commercial, manufacturing & warehousing
  • Medium industrial, commercial, manufacturing & warehousing

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We’ll consider

We may need more information to confirm a fit.

  • Mixed residential and commercial portfolios
  • Heavy industrial/commercial risks

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We do not cover

Sorry, we’re currently unable to insure the following.

  • Unoccupied (some temporary unoccupancy can be considered as part of a larger portfolio)
  • Property developers
  • Chemical and heavy manufacturing risks

UK property owners covers & highlights

  • Property damage

    • Buildings, contents and rent
      • High capacity available and where we can’t underwrite 100% of the property risk, we can help with coinsurance solutions
  • Property owners’ liability

    • Cover limit of up to £10 million, higher upon referral
  • Employers’ liability

    • Cover limit of up to £10 million
  • Terrorism

    • Cover for UK only
  • Capital additions

    • Cover limit of 20%/ £250,000
  • Loss of metered water, gas, oil & electricity

    • Cover limit of £25,000 any one event and £50,000 in any one period of insurance
  • Unauthorised use of electricity, gas, oil or water

    • Cover limit of £25,000 any one event and £50,000 in any one period of insurance
  • Fly-tipping

    • Cover limit of £2,500 any one event and £5,000 in any one period of insurance
  • Legal expenses for the eviction of squatters

    • Cover limit of £5,000 in any one period of insurance
  • Removal of wasp, bee and hornet nests

    • Cover limit of £1,000 for any one event
  • Removal of vermin

    • Cover limit of £1,000 for any one event
  • Keys

    • Cover limit of up to £5,000 for any one event
  • Outdoor trees, shrubs, plants and landscaping

    • Cover limit of up to £250 for any one tree, shrub or plant and £25,000 in any one event
  • Inadvertent omission to insure

    • Cover limit of £500,000 in any one period of insurance
  • Trace and access

    • Cover limit of £50,000 in any one event
  • Clearance of drains

    • Cover limit of £10,000 in any one event
  • Loss prevention and mitigation expenses

    • Cover limit of £100,000 in any one period of insurance or 10% of the property sum insured (whichever is the lower)
  • Prevention of access

    • Cover limit of £25,000/3 months maximum indemnity period (MIP)

  • Public utilities, electric, gas, telecommunications and water

    • Cover limit of £25,000/3 months MIP for each utility

  • Loss of attraction

    • Cover limit of £25,000/3 months MIP

  • Managing agents/named insured’s premises

    • Cover limit of £50,000

Add-ons & extensions

These items may be available to add on to your policy

Business questions

Help us better understand the risk

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Let’s start the right conversation

 
For business

Find a broker

If you’re looking for covers and have a broker, ask about Travelers products.

If you need a broker, start with the right broker directory.

Find a broker

Need to call us directly? Contact us.

 
For brokers

Let’s save some time

Let’s work together to build the right cover for your client. Your local Travelers office is the best starting place for this. You can find them listed here.

Contact us  

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