Property Owners

• Offices
• Retail shops
• Residential
• Industrial units
• Student let
• Department of Social Security (DSS) let
• Licensed House in Multiple Occupation (HMOs)
  
• Chip shops and Take-Aways
• Mixed commercial (retail ground floor with residential above).

We consider a range of commercial, residential and mixed-use properties, including quotes for unoccupied Grade II Listed buildings. Grade I and Grade II star (Grade II*) are excluded.

• Up to £20M buildings and rent any one location with capacity provided by an A+ rated* insurer. Grade II Listed or equivalent considered
• Standard and non-standard construction premises
• Unoccupied properties considered, including buildings that have been unoccupied for up to ten years
• Properties with future plans for occupation, redevelopment or alternative use considered, subject to underwriting review
• Renovation and improvement works can be accommodated during the period of insurance, subject to the nature and scope of works being assessed by an underwriter
• Flexible solution allowing a property to transition from unoccupied to occupied status, or vice versa, subject to underwriting approval

 *Rating information correct as of August 2026. Source: AM Best, S&P Global Ratings and Fitch Ratings. 

• Former leisure and hospitality premises, including pubs and similar risks, subject to underwriting review
• Properties with ongoing or future redevelopment, refurbishment or change-of-use plans
• Risks in a variety of locations, with individual assessment of fire protection and emergency service access
• Refurbishment and renovation projects, with underwriting consideration given to the nature, scope and value of the works
• Non-standard and more complex unoccupied property risks, assessed on their individual merits
• Risks where there is a clear strategy for future occupation, sale, redevelopment or alternative use