Insurance for UK Commercial Property Owners

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Logo: A red umbrella. Text: Travelers. Spotlight on Property Owners. Overview of Travelers Property Owners Insurance. Dan Edge, Portfolio Manager – Property Owners.

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DAN EDGE: As one of our specialist segments, we can help with your customers real estate needs from micro SMEs, through to mid-market to large corporate risks.

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Text: Coverage for all sizes of businesses

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We pride ourselves in offering high levels of cover as standard, and being Travelers, we also offer a host of value-added services as well. Some examples are;
•    Free access to Cardinus risk management which comes as standard and at no cost to our property owner customers 
•    Free use of our in-house risk consultancy services for larger risks
•    And we make it easy to deal with us by providing direct access to our specialist underwriters throughout the UK via direct e-mail and direct dial phone numbers. 
No long call centre queues causing extra stress.

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Text: Our value added services include:
•    Cardinus Risk Management e-learning resource
•    In-house risk consultancy services and expertise
•    Direct access to specialist underwriters

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Text: Why does a business need this insurance?

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By definition, a property owner uses their property rental income and the increase in property value over time as the bedrock of their property owning business. Property owners need to sweat their expensive property assets in order to get the best returns, so it goes without saying that they need the highest quality insurance to protect those crucial assets. Whilst the core of a property owner’s policy will always be the buildings insurance, there’s so much more to it such as protecting rental income, liabilities to the public and any employees; so it’s critical for property owners to have the right insurance in place at all times. In fact, we’re seeing an increase in the frequency of public liability claims on property owners from things such as slips and trips in public areas, so it’s therefore critical to ensure you have the right public liability protection in place, in addition to insuring the actual fabric of the building.

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Text: Who is this product for?

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We specialise in portfolios of well-managed, properties for property owners, investment trusts and specialist managing agents. We have a particular specialism in commercial led risks such as offices, retail, industrial risks and mixed use properties.

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Text: Appetite sweet spots include:
•    Offices
•    Retail
•    Light industrial
•    Mixed use properties
•    Surgeries

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That being said, we’ll consider many types of risks including residential, although we might need a bit more information to help you and your clients get the best possible solution.

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Text: Why Travelers?

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We’re a long established specialist in the marketplace, with an online eTrade product for SME businesses which complements our established mid-market offering.  

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Text: SME and Mid-market solutions available

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We have the capacity and the product suite to insure businesses as they start out in this sector and as they grow, and we can help with coinsurance solutions too. We provide all the cover extensions you’d expect from a high-quality wording, such as, capital additions loss of metered water, fly tipping, and trace and access.

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Text: High quality wording and comprehensive cover

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Plus, we can cover an unlimited number of locations as well. Ultimately, Travelers goes that bit further in how we support our policyholders with a comprehensive range of cover extensions, protecting our clients as fully as possible.  

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Logo: A red umbrella. Text: Travelers. This video is provided for general informational purposes only. It does not, and it is not intended to, provide legal, technical or other professional advice, nor does it amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Travelers. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law. Travelers operates through several underwriting entities in the UK and Europe. Please consult your policy documentation or visit the websites below for full information. travelers.co.uk travelers.ie