The commercial property market is shifting. Rising rebuild costs, climate-related damage and legal changes mean landlords must reassess their cover. Commercial property insurance in 2025 needs to be more than a standard package. Rising Construction and Repair Costs Material and labour prices have increased, which affects rebuild valuations. If a policy underestimates rebuild cost, landlords […]
Read More… from Why 2025 Brings New Challenges for Property Owners
Many landlords think they are covered because they hold a general business or property policy. But commercial property insurance is designed to address the real threats landlords face. Without it, one event can lead to huge losses. Fire and Water Damage Costs Fire and flood are among the most expensive risks for commercial property. Rebuilding […]
Read More… from Why Hidden Risks Can Cost Landlords Thousands
Owning a commercial building brings opportunities, but it also carries financial risk. Damage, tenant disputes and unexpected legal claims can quickly disrupt rental income. Commercial property insurance protects landlords and business owners against these risks, helping them stay profitable even when unexpected events occur. What Commercial Property Insurance Usually Covers A strong policy should protect […]
Read More… from Commercial Property Insurance Matters More Than Ever
Choosing the right cover for a rental property in the UK depends on how that property is let. HMO landlord insurance and standard buy-to-let insurance both provide financial protection, but each applies to different rental setups. We support landlords in arranging policies tailored to the property’s use, helping protect both investment and rental income if […]
Read More… from HMO vs Standard Buy-to-Let Insurance: Which One Fits Your Rental Property?
Letting out a house in multiple occupation (HMO) brings more moving parts than a standard rental. From shared kitchens to multiple tenancy agreements, the risks involved increase, making HMO landlord insurance an important consideration. We help landlords arrange cover designed for HMO properties so they can protect both income and assets should a claim arise. […]
Read More… from From Tenant Damage to Legal Claims: Why HMO Landlord Insurance Matters
Managing a house in multiple occupation (HMO) brings unique risks compared to letting out a single household property. Understanding the key differences between HMO landlord insurance and standard landlord cover is important for protecting both property and income. As brokers, we help landlords arrange cover suited to the specific challenges that come with HMO properties. […]
Read More… from HMO Landlord Insurance UK: How It Differs from Standard Landlord Cover
When renting out a property, it is important to understand exactly what buy-to-let insurance can cover. There is no single legal requirement for landlords to hold this type of policy in the UK. However, many mortgage lenders, letting agreements, and risk management strategies make it a recommended choice. In this guide, we outline six key […]
Read More… from Buy-to-Let Insurance Checklist: 6 Must-Have Covers for Landlords
When arranging cover for a rental property, many landlords ask whether buy-to-let insurance is a legal requirement in the UK. While some insurances may be required by law, others are strongly recommended to help protect both property owners and their tenants. In this guide, we explain exactly what is and is not required, what buy-to-let […]
Read More… from Is Buy-to-Let Insurance Legally Required in the UK? A Clear Answer
Owning a rental property can bring steady income, but it also comes with risks. Whether it is a single flat or a portfolio of houses, buy-to-let insurance is designed to provide financial protection against events that could affect your property, income, or liability. We assist landlords in arranging tailored buy-to-let insurance policies that reflect the […]
When a commercial property sits vacant, it may seem like there is less to insure. No tenants, no business operations, no customer footfall. Yet empty commercial properties carry real risks that can leave landlords financially exposed without the right protection in place. We support landlords across the UK in arranging commercial landlord insurance that accounts […]