Direct Line Landlord Commercial Property insurance UK

This is a specialist page for Direct Line Commercial Property Insurance. Disclaimer The following details are not an endorsment of Direct Line Commercial Property Insurance; we encourage you to shop around before you choose your home insurance provider.

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Key features of the policy

Direct Line's standard Commercial Property policy includes...

• Buildings: Cover against damage to your building including, shop fronts, fixed glass and landlord's fittings, arising from perils such as fire, flood and theft.
• Public liability: up to £2 million of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business and for which you are held legally liable. You can increase the limit of cover if required.
• Equipment breakdown as standard
• Alternative accommodation costs up to 20% of the sum assured

As well as increasing many of the above limits you can extend:

• Landlords contents, including those contained within communal areas
• Loss of rent from an insurance claim
• Employers' Liability
• Personal accident (assault)

Direct Line's Commercial Property policy is for businesses who...

• Own or manage up to five properties
• Offer property for commercial use, or a mixed portfolio of commercial and residential buildings
• Are responsible for insuring the building or freehold
• Have minimum tenancy agreements of 6 months or more

Commercial Property Insurance from Direct Line gives you the cover you need as the landlord of one or more rented commercial properties.

Whether you just let a single office or manage a portfolio of commercial properties, you could be at risk from fire, theft, malicious damage and public liabilities, amongst others. Direct Line's Commercial Property Insurance covers you against each of these risks as part of its standard cover and then allows you to tailor your policy for your own purposes, adding optional extras or increasing cover levels to suit your particular requirements.

For full details, please refer to the Commercial Property Insurance policy document

Optional Covers

Landlord's Contents: cover for fixtures and fittings, furniture, furnishings, utensils and domestic appliances belonging to you arising from perils such as fire, flood and theft.

Rent Receivable: cover against loss of rental income caused by damage to your property, plus reasonable additional expenses to mitigate the effects of the damage you suffered. Cover includes provision of alternative accommodation and up to £10,000 and book debt cover.

Employers' Liability: up to £10 million of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.

Personal Accident: benefits are payable in the event of the death or temporary or permanent disablement of specified employees arising from an accident.

Equipment Breakdown: cover against direct physical damage to equipment resulting from breakdown, building collapse or events such as boiler explosions.

Buying the correct insurance for your business

Managing a commercial property presents its own unique set of challenges and our insurance is designed to reflect that. As you are commercial landlord, you'll want to be sure you're getting the right cover for your various properties. This policy has been specially devised for owners of commercial property, offering protection against damage including storm, flood or fire damage, which could prevent your tenants from running their business and you earning rent.

That's why Direct Line ensure their insurance includes the standard cover for your type of business with the option to increase cover limits or add on cover to suit your individual portfolio.

If you are changing the circumstances of your business, such as purchasing more properties or the usage of your property changes, let Direct Line know as they will adapt the quote to your needs, and they will save you money wherever they can.

Direct Line GUARANTEE to beat your Commercial Property insurance renewal quote (please read the terms and conditions before buying).

Details correct at time of publication. . Terms and conditions can change, this web site is not responsible for the publication of current policy delails. Please check details before applying....