Landlords Residential & Commercial

If you own a block of flats or apartments it’s essential you have the right insurance in place to protect your investment against the unexpected. Insurance for flat owners is typically designed to provide protection against damage and legal action plus you may also tailor your flatowner policy by selecting additional covers such as loss of rent, to give you added security and peace of mind.

Flat owner insurance at a glance

Our Product Range is ideal for owners of property where a number of flats sit within a block. This policy can include:

• Buildings and contents cover
• Property owners liability
• Employers’ liability
• Personal Accident
• Loss of rent cover
• Legal expenses

As an owner of a block of flats, there are a number of events that could lead to claims being made against you, so it’s essential to ensure you have the right protection in place. Flat owner insurance will typically incorporate cover to protect you against a loss from a wide range of events, such as fire, flood, storm and many more. Your buildings and contents can also be protected against accidental damage or subsidence as well as damage caused by tenants offering you a broad range of protection for your investment.

As a landlord, you also have a duty to ensure the safety of your tenants, and any other visitors to your apartment blocks, such as contractors, tenants’ guests and letting agents. If someone fell down the stairs for instance and sustained an injury, you may be liable to pay compensation. Property owners liability insurance is included as standard for up to £2 million, meaning that should something unexpected happen, you’re protected up to this amount for any compensation and associated costs you may be liable to pay.

Flat owner insurance can incorporate a number of optional covers to protect you against a whole host of eventualities, such as employers’ liability, loss of rent, personal accident and terrorism cover.

Commercial property insurance is designed for those who rent out properties for commercial use. Commercial landlords face a number of unique risks, and need insurance to protect against a variety of unforeseen events. We understand that one size does not fit all, and can be flexible in our approach to source you the right insurance to protect your investment.

Commercial landlord insurance at a glance

Our Property Owner policy is ideal for commercial landlords and can include:

• Buildings and contents cover
• Property owners liability
• Loss of rent cover
• Legal expenses
• Optional theft and malicious damage by tenant cover

As well as safeguarding your physical assets against perils such as fire, flood and storm damage, you will also need to protect your financial interests should anything happen to your tenants, neighbours, or members of the general public at your premises. Property owners liability will cover your legal liability for damage to third party property, as well as accidental injury, should something happen that leads to a claim against you. For instance, if during a storm some tiles fall off the roof and damaged a car parked on the street below, this would be covered under the property owner’s liability section of your commercial property insurance.

Loss of rent cover is available to protect your income in the event of damage at your premises resulting from an insured event. This means that if you have a fire or flood that renders the building uninhabitable, loss of rent cover would continue to pay you rental income while the building is reinstated. This can be added to your commercial buildings insurance.

Commercial legal protection is included as standard in our Complete Property Owners policy. This will protect you against commercial tenancy disputes, criminal prosecution defence, tax and VAT appeals and even provide jury service allowance.

We arrange commercial building insurance to suit your business specific needs, whether you have one property or many. However small or large your commercial property portfolio we can provide you with the right insurance to protect your investment.

Benefit from tailored, accurate cover to protect your property investment.

Our policy is ideal for both landlords/Tenants and can include:

• Buildings and contents cover
• Property Owners Liability
• Loss of rent cover
• Optional employers liability cover
• Commercial legal protection

Optional extensions include:

• Enhanced trustees legal liability cover
• Loss of money or goods as a result of the dishonesty of employees
• Public liability (with no exclusion for abuse claims)
• Trustees‘ legal liability
• Property damage
• Business interruption
• Equipment breakdown cover
• Employers Liability

We provide insurance for all types of Charities & Community Groups including buildings insurance for religious groups & organisations.

At RBA we have gained a wide knowledge of charity and community group’s requirements by not only placing insurance for all types of religious & charity concerns, but by being involved with national charity organisations activities ourselves.

Our religious buildings insurance can be tailored so you only pay for what’s important to your specific organisation.

If you’re a landlord and rent out a residential property or you may even have a portfolio of buy-to-let properties, it’s essential to have the right insurance in place to protect your investment.

Buy to Let insurance at a glance

Our Property Owner policy is ideal for buy to let landlords and can include:

• Buildings and contents cover
• Property Owners Liability
• Loss of rent cover
• Optional employers liability cover
• Commercial legal protection

Landlords are exposed to a variety of risks that may lead to claims being made against them. As a landlord, you have a duty to ensure that your tenants are safe in the environment that they lease, as well as ensuring your property is not going to cause damage or injury to any passers-by or neighbouring properties. We can arrange buy to let property insurance to protect your liabilities, as well as your assets and investments.

We can arrange your buy to let insurance to ensure you have the protection you need to safeguard your property. We understand that your property or portfolio is an investment for your future and each landlord requires bespoke insurance tailored to their own individual requirements.

Buy to let insurance is designed with residential landlords in mind – from city flats through to country houses – we’ve got it covered. We can provide cover for your building and contents, as well as property owner’s liability and legal protection.

We can also arrange a number of additional covers. Loss of rent covers you if your premises cannot be habited due to an insured event such fire, flood, or storm damage. You may need employer’s liability if you employ anyone to maintain the building or grounds. You may also wish to select cover for theft or malicious damage by tenants.

Commercial legal protection is included to protect against commercial tenancy agreements, tax and VAT disputes as well as any damage to premises and criminal prosecution defence.

So if you’re a residential landlord that has single or multiple buy-to-let properties we can arrange a property owner insurance policy that provides comprehensive cover in one easy to manage tailored policy.

Start protecting your property investment by getting a buy to let landlord insurance quote today.