Landlord insurance is tailored to landlords leasing out premises. It includes liability protection and loss of rental income cover, which standard property insurance may not provide.
Insurance for landlords
- £5 million property owners liability cover as standard
- Option to include residential and commercial properties within one policy
- Bespoke cover enhancements exclusive to Marsh Commercial
- 24/7 claims service
- Multiple payment options
Why choose Marsh Commercial?
Let us help you find a landlord insurance policy that truly protects you from the risks of renting out your property—risks that standard buildings and contents insurance might not cover. Often called buy-to-let insurance, these policies typically cover physical damage to your property and protect you against liability claims from tenants or other third parties.
You can also add extra protection with optional covers like accidental damage, loss of rent, and legal expenses cover. These help with costs related to legal matters such as contract disputes, tax and VAT investigations, repossession, and even eviction of squatters.
Working with a wide range of insurers and specialist providers, we can find tailored cover specifically to your needs. Our friendly experts will guide you through your options to make sure your business is fully protected.
Speak to our property professionals who can help guide you on what cover you need.
Get in touch with our commercial property insurance team today for a free, no-obligation quote.
Available covers*
Property owners insurance has been specially designed so that all of your properties are protected under one policy, regardless of use. This means that if you own or manage both residential and commercial properties, with us these can be insured together, saving you time and money. There’s no need to juggle multiple policies with us on your side.
With our unique and comprehensive policy wording, we can offer you the best possible protection for your buildings, loss of rent, alternative accommodation and legal liability including:
- All risks cover including theft, subsidence and glass (subject to certain exclusions)
- Day 1 uplift inflation protection (up to 50%)
- Franchise excess for claims above £5,000
- Contents of communal areas
- Property owners liability automatically included with a limit of indemnity of £5 million
- Alternative accommodation – 20% to 35% of buildings sum insured
- Malicious damage by tenants
- Claims preparation fees
- Eviction of squatters
- Illegal cultivation of drugs.
* As with all insurance policies, terms and conditions apply. Contact us for full details.
Get in touch with our commercial property insurance team today for a free, no-obligation quote.
Landlord Insurance FAQs
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Landlord insurance is vital to protecting your investment and your rental income. We can find you landlord insurance to help:
- Keep the rent flowing.
- Recover from a fire or flood.
- Cover extensive unoccupied periods.
- Shield your personal assets.
- Protect your reputation.
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As a landlord you need specific types of insurance to protect your investment and manage the risks associated with leasing space. A mortgage lender will usually require you to have specific landlord cover in place, before you let your property. Popular covers include:
Property insurance: This covers the physical structure of the building and any improvements made to it. It protects against risks such as fire, theft, vandalism, and certain natural disasters.
General liability insurance: This provides cover for claims made by third parties for bodily injury or property damage that occurs on your commercial property. It protects you from lawsuits and legal fees.
Business interruption insurance: This covers lost rental income if your property becomes uninhabitable due to a covered event, such as a fire or natural disaster. It helps you maintain cash flow during the recovery period.