Commercial Property Insurance
Comprehensive cover for property owners of all sizes whether it’s occupied or unoccupied for Industrial, Commercial or a Residential building, we have you covered!
Secure Risk have built good relations over the years with specialist underwriters and can usually turn around enquiries fairly quickly in good time for property professionals purchasing properties at short notice.
Our experience in this area makes timely completions possible by having good understanding of specialist lender clauses requirements such as None invalidation Clauses and First Loss Payee in favour of the lender.
Covers available and Property types;
- Property Owners Liability
- Loss of rent up to 36 months Loss of rent Indemnity period
- Unoccupied or Occupied
- Listed Buildings
- Multi Tenured Mills or Industrial Units
- Large or small Property Portfolios
- Buy to Let properties
- HMO’s
- Blocks of apartments and converted buildings
- All tenant types inc Asylum seekers
- Housing Association Tenants
- Industrial Property
Single or Multiple Residential Landlords
Most landlords own more than one property and renewals can be spread throughout the year making it difficult to administer, we can combine all the insurances together to provide you with one renewal date. This will save you time and the peace of mind that all your risks are covered.
Property Insurance
Get a great deal when you insure any of your properties through us. Property insurance is one of our areas of specialisation and we have been insuring thousands of properties throughout the UK for over 15 years.
We can instantly cover single or multiple landlords’ insurances or provide you larger portfolios of commercial or empty properties through our large panel of insurers.
For large commercial properties or projects, we have access to London markets; our partner Bluefin Insurance.
Commercial Properties
Commercial properties can be challenging and complex, we love to deal with complex risks.
We have a wealth of knowledge in this area of business and can provide cover for small commercial properties to multi – occupancy buildings.
We have experience in construction projects, to large portfolio commercial properties. Risks that we have insured range from apartment blocks, converted mills, retail parks, town halls and public spaces.
Unoccupied Property Cover
Your property will likely face periods of being unoccupied. During these periods without tenants, your property will be more susceptible to a variety of risks such as squatting and break-ins. We can therefore tailor your cover to include cover for the periods without tenants.
Typically, insurers will allow a period of 30-60 days for the property to be unoccupied before applying restricted unoccupied covers.
Who is this for?
Our property insurance is suitable for anyone who owns an investment property. Whether it’s a commercial building or a residential building, we have you covered!
What do you need it for?
Property is usually considered as a largest lifetime asset so protecting it from the many perils and dangers that can occur require you to opt for our property insurance.
How much cover is required?
Property is usually considered as a largest lifetime asset so protecting it from the many perils and dangers that can occur require you to opt for our property insurance.
What's covered
- Property Owner's Liability
- Public Liability
- Employer Liability
- Property Insurance
- Loss of Rent
- Terrorism Cover
- Rent Guarantee provided you have satisfactory credit agency reference satisfactory written character reference for each of the tenants
- Unoccupied Property Cover
Unoccupied Property Cover
Your property will likely face periods of being unoccupied. During these periods without tenants, your property will be more susceptible to a variety of risks such as squatting and break-ins. We can therefore tailor your cover to include cover for the periods without tenants.
Typically, insurers will allow a period of 30 days for the property to be unoccupied before requiring a specialist Unoccupied Property Owners policy. There can be multiple reasons for why a property is unoccupied but, in most cases, it’s usually because a tenant moves out or when you purchase a property. Remember to ALWAYS check the Terms & Conditions of your policy as some insurers need to be informed as soon as the building becomes vacant.
