Property Owners' Insurance

Keeping your property safe.

Our policy includes cover suited to a variety of portfolios from houses and flats, to office and retail premises.

Contact your local agency office

However you choose, whether in person or at the end of a phone, our Agents will be there for you when you need them most.

Insurance overview

Working with businesses like yours and associations in your industry, we've come to fully understand the challenges of letting properties.

Property owners, property professionals, landlords and block managers come to us for support and insurance advice because they know that we really understand the ins and outs of their business.

What's included as standard:

  • Buildings - cover against damage caused by common risks such as fire, flood, storm or escape of water.
  • Business Interruption - loss of income due to damage to property used by you at the premises, up to £1.5 million.
  • Property Owners’ and Product Liability - damages arising from injury to the public or damage to their property. Cover, up to £2.5 million as standard.
  • Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1 million.

Additional covers you can choose:

  • Employers' Liability - damages arising from injury and illness to employees, up to £10 million as standard.
  • Landlords' Contents - you can add additional landlord contents cover as needed.
  • Money and Assault - loss or theft of money on your premises during business hours, and while being taken to the bank or in a safe on your premises overnight, up to £5,000.
  • Goods in Transit - protection of your goods while they’re in transit in your vehicles or with a third party carrier, up to £10,000.
  • Terrorism - protection against property damage and loss of income caused by acts of terrorism in England, Scotland or Wales.
  • Engineering Insurance - accidental damage or breakdown of machinery and plant.
  • Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
  • Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
  • Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
  • Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.

Why choose us?

Why choose us?

  • Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

    Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Local presence

    With a network of over 280 agency offices nationwide, we can get to know you and your business.

    Local presence

    With a network of over 280 agency offices nationwide, we can get to know you and your business.

Other business products

Commercial Insurance

Our Commercial Insurance is flexible to cover your businesses needs, suitable for larger businesses.

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.

Claims

Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.