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Commercial Landlord Insurance

Whether you rent out offices, shops, warehouses or surgeries, we've got you covered with our commercial landlord insurance.

With commercial landlord insurance from Trade Value Group, you get a solid foundation for your investment. As standard, you'll get:

  • Protection for up to 10 properties
  • Property owners' liability for up to £10 million
  • Glass and keys replacement cover
  • Underground pipe and cable cover
  • Trace and access cover to find the source of leaking pipes
  • Cover to re-house any residential tenants if your property can't be accessed or lived in due to damage

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What is accidental damage insurance?

Accidental damage insurance is cover that'll protect you in the event of damage caused to property or belongings in your home.
Basically, if there's a one-off accident that cause damage to your property or possessions. This can help cover you for those unexpected incidents, e.g. a leaking bath causing water damage to another part of the property. However, it does not apply to inevitable wear and tear on the things you keep in the property.

Optional extras

Accidental damage cover

Covers your property's structure, floors and fittings, for example if a tenant accidentally spills wine on your carpet or water enters into your property if your roof leaks unexpectedly.

Contents Cover

If you've provided your tenants with fixtures and fittings, shelving or racking, you can boost your protection with up to £50,000 worth of contents insurance.

Loss of rental income

If your rental property is empty as a result of accidental fire, flooding or damage, you may be able to claim back the loss of rent. It does not cover loss of income if your tenants don't pay their rent.

Subsidence, ground heave and landslip cover

Engineers' fees and repair costs for properties damaged by subsidence can soon add up. But you can rest easy if you take this optional cover (which is a requirement of some mortgages).

Employers' liability insurance

If you employ someone to work on your property (like a gardener or a handyman) you're required by law to have employers' liability cover, which protects you against compensation claims for injury, illness or disease.