landlord insurance

Optional extras

Please refer to the policy document for terms and conditions.

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

• Legal expenses - basic cover provides you with the legal advice and protection from the professional costs and expenses of legal actions which may arise. This includes:
  • Access to Lawphone which provides advice on all business related legal matters;
  • Prosecution defence - covers costs up to £50,000 for defending your legal rights after an event which arises out of your business activities and results in criminal proceedings. You are responsible for 10% of all unrecovered costs.
  • Property - covers the costs up to £50,000 of taking legal action relating to damage to your business premises. You are responsible for 10% of all unrecovered costs.
  • Jury service - provides up to £100 per day for a maximum of 20 days to cover any shortfall in your salary or wages as a result of attending jury service.
• Employer's Liability - - covers your legal liability to insure your employees for death or injury happening in the course of their employment with you up to £10,000,000 any one claim..
• Employment contract - covers the cost up to £50,000 of defending disputes relating to contracts for full or permanent part time employment. Cover includes any resulting award a court or tribunal orders you to pay up to £25,000. You are responsible for 10% of all unrecovered costs.
• Commercial tenancy disputes - costs up to £50,000 in taking legal action over the agreement under which you let property to the tenant of non residential property. You are responsible for 10% of all unrecovered costs
• Tax and VAT - covers the costs up to £25,000 of an appeal against the Inland Revenue or HM Customs following an in-depth investigation into your most recent PAYE, business tax or VAT accounts. You are responsible for 10% of all unrecovered costs.
• Licence protection - costs up to £50,000 of defending the withdrawal, restriction or suspension of your business licence. You are responsible for 10% of all unrecovered costs.
• Personal injury - covers costs up to £50,000 of taking legal action against another person who causes death or bodily injury to you
• Subsidence - cover against damage to your premises due to subsidence, ground heave or landslip.
• Terrorism - an optional cover designed to cover your business against the effects of Acts of Terrorism (subject to underwriting acceptance).