Property Owners insurance
Insurance for property owners including sole traders, small and medium enterprises and residential property owners.
Insurance for property owners
This product is intended for property owners who own relatively small or simple premises or simple property portfolios and rent them to 3rd party tenants.
Property Owners insurance product highlights
Baptist property owners' insurance can include the following:
- Property damage - protection for your buildings and contents of common parts in the event of fire, explosion, storm, flood, falling trees, vandalism, escape of water, vehicle impact, and forcible and violent theft. For residential properties, we also cover your loss of rent and alternative accommodation for residents where such premises become uninhabitable following insured damage.
- Equipment breakdown - cover for a range of equipment, including lifts, boilers, and air conditioning systems.
- Rental income - loss of income following an insured event under the Property Damage section of the policy. The cover includes the extra costs to minimise the loss of rent.
- Public liability - with a limit of £5million, which can be increased upon request.
- Employer’s liability - for liability claims made by employees and volunteers.
- Legal expenses - legal fees, compensation awards, or appeal costs arising from a wide range of legal disputes. Legal fines cannot be covered by the policy.
- Terrorism cover - including loss of revenue.
Please read our Baptist Property Owners insurance policy wording for full benefits and exclusions of the policy.
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Frequently asked questions
The policy offers comprehensive cover and flexibility in the types of properties you can insure.
Key benefits of the policy:
- Suitable for any let properties you may own
- Inflation protection for your sums insured
- Enhanced cover where the property is let to your ministers and their family - walk-in theft for contents of common parts
- Property Owners' Liability limit of indemnity from £2million to £5million.
Yes, we understand how a manse is different from a commercially let property, and this policy is suitable for both.
The legal expenses cover is provided by ARAG Legal Expenses Insurance Company, and you should refer to your policy wording for details of the cover.
To make a claim, please ring ARAG directly on:
- 0345 601 2792
Our claims team will be happy to help – you can call them on 0345 070 2223.