Commercial Landlord

Commercial Landlord insurance policies are for landlords that rent out their properties to commercial businesses.

Whether you own a wide portfolio of premises, a multi tenure building, industrial units, a single shop or office block, Tricketts Insurance Brokers can meet the needs of all types of property owners.  Because we have access to a wide variety of policies from a selection of leading insurers, we can help you to secure the right levels of protection. And, managing your covers and properties under one policy makes good business sense -it’s both time, and cost effective.

Call Tricketts today for a non-obligatory quote: 01706 212231

 

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COVER OPTIONS

  • Buildings

  • Subsidence

  • Landlords Contents

  • Property Owners Liability

  • Theft or Loss of Keys

  • Loss of Rent

  • Legal Expenses

These are the main covers but not an exhaustive list. Please enquire for covers not listed

OPTIONAL ADD-ONS

  • Accidental Damage

  • Malicious Damage

  • Employers Liability

These are the main add-ons but not an exhaustive list. Please enquire for add-ons not listed

Why Tricketts

Tricketts has long, well established relationships with insurers and access to a range of markets; our staff will save you time and hassle and give you peace of mind because we ensure that you have the right type of cover.

Read more about Tricketts Insurance

Unoccupied properties are more susceptible to break-ins, petty crime and squatters. If you change tenants or renovate, insurers usually allow 30-40 days unoccupied before you have to change the policy to an unoccupied property insurance policy.
Unoccupied
If you give a sum insured for building/contents which is not enough, your insurer can reduce the claim by the percentage that you’re underinsured. E.g. - insure for 80K, but correct value is 160k, means you’re underinsured by 50%. Make a claim and your pay out could be reduced by 50%.
Condition of Average Clause
Your tenants should buy their own contents cover for their possessions as the Landlords Contents insurance will not cover them.
Tenants Contents
In a commercial property, leaks from roofs can lead to loss of rent for the landlord and damage to stock and contents belonging to both the tenant and the landlord. Flat roofs are often the cause of leaks and due to this are not favoured by insurers. For this reason many Insurers will include a ‘Flat Roof Warranty’ clause in the policy. Be sure to check your policy wordings for the required amount of servicing imposed by the insurer to ensure your policy is not breached.
Flat Roof Warranty

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