Scheme: Prime SME Property Owners
Can Cover for Unoccupied Properties
Up to £3,000,000 Buildings Sum Insured
Available for a Wide Range of Commercial Trades & Residential Tenancy Types
Can Accommodate Residential & Commercial Property Portfolios
FREE Accidental Damage Cover*
FREE Business Interruption Available – Up to 20% of the buildings sums insured
*Unless occupied by DSS Referral / Asylum Seekers or Unoccupied
The Prime Property Owners’ product is suitable for residential, commercial and/or industrial properties that are tenanted or vacant.
This product provides the core covers of buildings, contents, business interruption and property owners’ liability insurance.
In addition, Employers’ Liability, Legal Expenses and terrorism covers can be added onto Prime Property Owners’ Product.
The Prime Property Owners’ products are not suitable for residential properties that are owner occupied, unless they are second homes, holiday homes, owned by a Management Company, sold on a long lease, or part owner-occupied.
Core Covers
- Buildings Insurance
- Loss of Rent / Alternative Accommodation Insurance (Business Interruption)
- Landlords Contents Insurance
Features & Benefits – Buildings
- Removal of Debris Cover
- Trace and Access Cover – Up to £5,000
- Loss of Metered Water Cover – Up to £2,500
- Accidental Damage to any cables or underground services pipes
- Unauthorised use of electricity, gas or water cover – Up to £10,000
- Extinguishment and Alarm Resetting Expenses
- Removal of Wasp and Bees Nests Cover – Up to £1,000
- Damage to Landscaped Gardens caused by Emergency Services – Up to £25,000
- Illegal Cultivation of Drugs Cover – Up to £5,000
- Theft of Keys cover – Up to £1,000
Optional Extras
- Legal Expenses Cover
- Terrorism Cover
- Employers’ Liability Cover
Insurer Rating
Insurer
AM Best
S&P
Ascot Group’s Syndicate 1414 at Lloyd’s
A
A+