Mishaps can and do happen so accidental damage cover is available to protect you against the cost of repairs or damage to your property or its fixtures and fittings.
Even if you have the most careful of tenants, the cost of repairing or replacing damaged property or contents is your responsibility as the landlord.
Accidental damage can protect against genuine accidents, such as unintentional breakage or spillages caused by you, your tenants, or a guest.
Type of cover | What is covered |
---|---|
Buildings | If your property is damaged and has to be repaired or rebuilt due to an insured event such as vandalism or storms. |
Landlord's Contents | Household items that you have provided for your tenants, such as soft furnishings or appliances, if they are damaged or destroyed by an insured event. |
Loss of Rent |
Your cash flow is protected if, after an insured event such as flood or fire, your tenants stop paying rent or have to move out. If your tenants do have to move out, the costs of arranging alternative accommodation on their behalf is also covered. |
Subsidence, Landslip and Heave | Damage to your property as a result of a movement in the ground supporting your property. |
Property Owner’s Liability | You are protected if a person is injured or if there is damage to their property as a result of your negligence. |
Employers' liability cover | You are protected if an employee is injured or dies as a result of your negligence. |
Legal Expenses | Your legal expenses in proceedings such as contract disputes, debt recovery and evicting squatters. |
What's the difference between landlord and home insurance?
10 things you need to know about being a landlord.
Get a Landlords Insurance quote from one of the UK’s leading insurers, if you rent between 1 and 5 properties.
*Online policy is underwritten by RSA Insurance Group.
Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).
If you are unsure of the cover you need, or have more than 5 properties or complex requirements, call on:
0345 377 0006Call telephone number 0345 377 0006
(Lines available from 8am to 6pm Monday to Friday)
Commercial Landlord Insurance is brought to you by Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s biggest insurance brokers. Their specialist advice will help you decide on the cover you need, and they’ll search among their panel of leading insurers to find you that cover at the right price. Cover details may vary based on insurer.
Whether you ask for a landlord insurance quote online (1-5 properties), need advice or have complex requirements (6+ properties), you'll need the following details to hand:
Standard home insurance won't cover the extra risks you face as a landlord. For example, if a tenant is injured by a falling roof tile at your property or if a flood means your tenants have to move out for a while at your expense.
Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).
Complete our online form if you'd like us to call you back at a suitable time to discuss your Landlord insurance needs.
Whether you are an existing customer or looking for the right contact.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
Lloyds Bank plc is an introducer to Arthur J. Gallagher Insurance Brokers Limited who arrange and administer Lloyds Bank Business Insurance Services and source products from a panel of insurers
If you would like to find out more about our products and services, please call us on
0800 056 0056
If you have a business account with us, and would like to talk to a member of our business management team, please call
0345 072 5555