Commercial Landlord Insurance
Up to £2 million Public Liability cover included as standard.
What is Commercial Landlord Insurance?
Commercial Landlord Insurance is for landlords renting out their property to a third-party business. For example, an industrial unit or shop, including where the premises is a mix of commercial and residential use i.e. a shop with a residential flat above it.
Commercial properties are often built differently from residential properties and face different risks that a residential landlord policy won’t cover, including heating systems.
With our Commercial Landlord Insurance, you get the same benefits as you do with residential cover, along with a choice of optional extras to suit your business needs.
Buildings cover is compulsory for commercial premises.
If tenants are living at your property, you need a Residential Landlord Insurance policy, or if you have a mixed portfolio of residential and commercial properties, you need a multi-property policy.
Buildings Insurance
If your property is unfurnished without contents, you can take out an insurance policy that covers your buildings only.
Churchill can offer up to £15 million buildings cover as standard.
Find out more about Buildings Insurance
Contents Insurance
If your property is furnished or part-furnished, you can take out an insurance policy to include your contents.
Churchill offers up to £1.5 million cover for damage to furniture, fixtures, and fittings that don’t form a permanent part of your property’s structure.
You can only take out Contents Insurance separately if your building is occupied by residential tenants.
Reasons to rely on Churchill for Commercial Landlord Insurance
- Buildings insured for up to £15 million, including Boiler Cover
- New-for-old Contents Insurance
- Public Liability and Property Owners Liability Insurance up to £2 million with the option to increase it to £5 million or £10 million
- The cost of re-housing your tenants following an insured event such as a flood or fire
- Insure up to 10 properties on a multi-property policy online or call us if you want to cover more.
- Floor coverings up to £5,000 with the option to increase your cover further
- Malicious damage and/or theft by tenant cover (which you can’t recover from a security deposit, up to £10,000)
- Access to a 24/7 legal helpline
- Unlimited glass cover
- Free access to our business information support service, Churchill Business Navigator
Make your policy work for you
Tailor your cover with our optional extras.
Public Liability & Property Owners Liability
Increase Public Liability and Property Owners Liability Insurance up to £10m (subject to criteria)
Accidental Damage
Accidental damage for buildings and/or contents when you’ve insured them.
Loss of Rent
Cover for loss of rent if your property becomes uninhabitable following an insured event such as fire or flood.
Legal Expenses
Legal expenses cover up to £250,000 (including repossession cover)
Subsidence
Cover against damage to the building as a result of foundations moving. Including subsidence, landslip, or ground heave.
Multi-Property Liability Cover
If you're a landlord for multiple properties, you can insure up to 10 properties on one policy online. If you need to insure more, just contact us.
Expert guidance for your business
Business is confusing enough without having to worry about risks, rules, and regulations.
When you’re running your own business, you want to concentrate on the things you do best and leave the boring stuff to someone else.
That’s where we come in. We can’t do it all for you, but Churchill Business Navigator can help you find your way through some of the red tape that business owners have to deal with.
What’s Churchill Business Navigator?
Churchill Business Navigator is our free, easy to use risk management portal for Churchill Business Tradesperson, Professional and Landlord customers.
It has a wide range of tools and resources to help you manage risk in your business 24/7.
The help available includes online modules covering everything from HR processes and business continuity plans to dealing with Brexit and employment legislation.
You can get a response from our team of experts to any questions you have within 24 hours and there’s a library of downloadable industry-standard documents to help you with HR and health and safety compliance.