Property Owners
Protect Your Commercial Property Portfolio.
Tailored property owners insurance for commercial landlords, providing comprehensive protection against property damage, liability claims, and loss of rental income
We understand property owners insurance
As an independent insurance broker, we take the time to understand the ins and outs of your business.
Whether you're a property owner, property professional or a landlord of a small or large property size, you want the peace of mind that you are financially protected should an incident occur.
Our team of insurance specialists are available to provide support and advice on what level of cover is most suitable for you and your property. We will take the time to listen and understand how you operate and the expectations you have, whether you are a business person or using your property as a form of investment.
Should something unexpected occur, it could be potentially very costly and have a large impact on your income. That is where property owners insurance is there to provide reassurance.
"Every property has different risks to cover"
FREQUENTLY ASKED QUESTIONS
What is Property Owners Insurance?
Property owners insurance is designed to protect commercial property owners and landlords against financial loss. It typically covers buildings, loss of rental income, property owners’ liability, and damage caused by risks such as fire, flood, storm, or malicious damage.
Who needs Property Owners Insurance?
Property owners insurance is suitable for commercial landlords, business property owners, and investors who own:
- Commercial buildings
- Residential buy-to-let properties
- Mixed-use properties
- Unoccupied or vacant properties
If you own property that is rented or leased to tenants, property owners insurance is essential.
What does Property Owners Insurance cover?
What is covered will vary depending on your property risks, however, most policies tend to cover things like:
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.
Property Owners’ and Product Liability - damages arising from injury to the public or damage to their property.
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.
Pangea Insurance Brokers can ensure the policy reflects the unique risks of your property.
Is property owners insurance different from standard buildings insurance?
Yes. Property owners insurance is specifically designed for rented and commercial properties, whereas standard buildings insurance is typically for owner-occupied homes.
Property owners policies include specialist covers such as landlord liability and loss of rental income.
Do I need Property Owners Liability Insurance?
Property owners’ liability insurance is highly recommended. It protects you if a third party is injured or their property is damaged due to your building, for example if a tenant or visitor suffers an accident linked to the premises.
What if I need to make a claim?
Should you ever find yourself needing to make a claim, you can contact the Pangea Insurance Brokers in-house claims team directly on 02382 354 354.
Our team are friendly, knowledgeable and efficient - so you can feel assured that your claim will be in the best possible hands.
Customers
We are 100% client focused, and believe in long-term relationships with our customers. We will be there to assist, every year, to take away those insurance worries.
Quality
Our team of fully qualified advisors bring over a century of insurance experience with them, as well as a wealth of knowledge and expertise.
Trust
We have full access to all the major insurers that you would expect, covering a range of services and products.
Personal
We are independent, transparent, and efficient. You can easily contact our team, so no long waits are guaranteed.
COMMERCIAL LOCATIONS
HEAD OFFICE
Call UsUnit 4, Hillview House,
Leylands Business Park,
Colden Common,
Winchester,
SO21 1TH
enquiries@pangeainsurance.co.uk
02382 354 354
SOUTH WEST
Call UsUnit 127, The Wincombe Centre,
Wincombe Business Park,
Shaftesbury,
Dorset,
SP7 9QD
enquiries@pangeainsurance.co.uk
07444 812 156
EAST ANGLIA
