COMMERCIAL LANDLORDS

Our commercial landlords insurance policy is designed for those who rent out properties for commercial use, whether you have a single building or multiple premises

Get a quote

  • Commercial landlords save an average of 21% when they switch*.
  • £2m property owners liability cover as standard.
  • Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
  • Get a quote online or call now for a great deal.

Looking for commercial landlord’s insurance? You’re in the right place

Let Premierline Direct provide you with great cover at a competitive price - commercial landlord's insurance that gives you peace of mind

  • We know that being a commercial landlord is hard work, with a great deal to think about, especially in today's tough market. And that's true whether you have just one investment property or a large portfolio.  Organising your insurance, while necessary, can be a chore.  So, at Premierline Direct, we make arranging your insurance for landlords quick and simple. Our aim is to let you sleep easy in the knowledge that you have the right commercial landlords insurance for your property - or properties - at a great price.

Our landlords insurance policies are carefully tailored to meet the needs of commercial property landlords.  But landlords have many different requirements, and we believe you should only pay for the cover you need

  • Our standard commercial landlord's insurance covers, among other things, damage to buildings caused by incidents such as fire, vandalism, burst pipes and theft, as well as £2 million of property owner's liability. But our policies also offer many insurance extras such as loss of rental income and employer's liability.  You can even insure your property against damage by terrorism. And our policy is flexible enough to allow you to cover your property for mixed use - both commercial and residential - a shop and the flat above it, for example. Plus, all our customers have exclusive use of our 24/7 legal helpline as standard.

Save money on your commercial landlords insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer our customers some fantastic savings. In fact our commercial landlord customers save an average of 21% when they switch to Premierline Direct.

Our policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers

  • Over 30,000 businesses have chosen Premierline Direct for their business insurance. And the number is growing fast because we understand business insurance needs.  Our policies cover a huge variety of businesses, from restaurants to landlords' residential,  buy-to-let and landlords' commercial properties. However big or small the size of your portfolio, whatever your commercial landlord's insurance needs, Premierline Direct can help.  And remember, our policies are primarily underwritten by Allianz Insurance plc, part of the global Allianz group, so we can give you the peace of mind that comes from being insured by one of the UK's largest insurers.

Get a quote

We give our customers far more than just commercial landlord’s insurance

Because great service counts, you'll find Premierline Direct easy to deal with, whether online, over the phone or even face-to-face - whatever suits you best

  • Like all good businesses, we understand the importance of listening to our customers.  That's why we asked you exactly what kind of website and what kind of service you wanted and expected from us.  And we have responded with a brand new, user-friendly site offering easy navigation to information on all our products. Plus, our highly trained team of UK-based insurance experts understand your business insurance priorities and you'll find them helpful, efficient and ready to give you a commercial landlord's insurance quote over the phone. There are no forms to fill in, and we will get your documentation to you quickly.  If your needs are complex, we may also be able to visit your premises to talk them through with you.

And if you need to claim, we're right there for you 24/7, ready to get the rent coming in again. Fast!

  • We know how devastating an insurance claim can be.  So, if things go wrong and you need to claim, we'll act fast to get your property back up and running with minimal fuss or delay.  Our commitment is to settle claims fairly and efficiently. 

All our customers have access to an exclusive, risk-management website - giving you a whole range of tools to help you manage property portfolio - whatever its size

  • Our unique website, Risk Director, is an interactive, one-stop-shop for risk management and support, giving impartial guidance on risk assessment and training,  as well as updates on the latest legislation, which may affect you.  Also available through the website are discounts from preferred suppliers and access to our free, health, safety and environmental helpline.

And, Premierline Direct commercial landlord's insurance customers get exclusive access to a wide range of discounts, all aimed at helping you cut costs

  • As a Premierline Direct landlords insurance customer you can take advantage of our Business Savings Programme, which offers a wide range of exclusive deals from big-brand names in office supplies, business and leisure travel, IT services and many others - companies like Apple, Epson, Hewlett Packard, Viking Direct and Sharp.  Call us to find out more.

Get a quote

Standard cover

Our commercial landlord's insurance policy covers the following as standard:

Property damage - Covers loss or damage caused by a number of situations including fire, lightning and explosion; storm or flood; escape of water from tanks, apparatus or pipes; impact by vehicles; theft or attempted theft following forcible and violent entry to or exit from your premises; accidental damage and subsidence. Cover includes professional fees, removal of debris costs and alternative residential accommodation where the residential parts of the building is unfit for occupation and damage to grounds resulting from damage to the buildings.

Property Owner's Liability - Provides £2m cover for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in connection with the properties insured.

Legal Expenses - Covers costs and expenses of certain legal actions that may arise plus a 24 hour legal helpline.

Get a quote

Optional extras

For an additional premium you can also select a range of optional extras to add on to your landlord insurance policy, for an additional premium:

  • Loss of rent - covers loss of rental income following damage to the buildings or contents by any cause covered by the Property Damage section. Options of 12, 24, 36, 48 or 60 months indemnity period.
  • Employer's Liability - Provides cover of £10m for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to an employee for which you are found to be negligent.
  • Subsidence - cover against damage to your premises due to subsidence, ground heave or landslip.
  • Terrorism - additional protection against damage to your premises from acts of terrorism (subject to acceptance).
  • Personal Accident - cover for principals, directors and partners aged no more than 65 years old that provides compensation arising from any accident at any time. Death or permanent total disablement £20,000 capital sum.

Get a quote

Exclusions & limitations

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to under insurance as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms & conditions may be applied in certain cases. Excesses apply to certain types of claim.

Property damage excludes:

  • Storm, theft, accidental/malicious damage, burst pipes or sprinkler leakage in an unoccupied building. See policy condition 13 for terms & conditions.
  • Theft of contents not involving forcible and violent entry to or exit from the premises, or to items in gardens or landscaped areas. See Event 11 of Section 1 for terms & conditions.
  • Storm, tempest or flood to fences, gates and property in the open. See Event 7 of Section 1 for terms & conditions.

Felt Roof Condition - you must ensure that any felt roof over seven years old is inspected annually and any remedial work required completed. See Condition 3 of Section 1 for terms & conditions.

Property Owner's Liability excludes:

  • Asbestos - we will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.

    Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.

Get a quote