Your essential insurance cover checklist

With a rich heritage spanning over 125 years in the property industry, we understand the nuances and challenges property owners face. Our comprehensive insurance options are designed to address your unique needs. So this week, we’d like to delve into our essential checklist that highlights the importance of insurance cover with Property Protector.

Unoccupancy Cover:
We recognise that rental properties can experience periods of unoccupancy. Our contracts offer unoccupancy coverage ranging from 30 to 90 days, ensuring your property remains protected even during vacant periods.
 
Damage after Illegal Cultivation of Drugs (Residential Only):
Our contracts provide coverage subject to conditions, safeguarding your property against damage resulting from illegal cultivation of drugs.

Accidental Damage Cover for Buildings & Contents:
Enjoy peace of mind with standard coverage for accidental damage to both buildings and contents, offering financial security when unforeseen accidents occur.

Malicious Damage by Tenants:
Our contracts automatically include coverage for malicious damage caused by tenants, ensuring your property remains safeguarded from potential harm.

Loss of Rent/Alternative Accommodation:
In the event of an incident, our coverage includes loss of rent and alternative accommodation expenses. Residential properties benefit from standard coverage for 30% of the building sum insured, with options for 12, 24, or 36 months. Commercial properties receive tailored coverage based on actual rent received.

Property Owners Liability:
Protect yourself against liability for accidental damage or injury to third parties with our £5,000,000 standard limit of indemnity, extendable to £10,000,000 upon request.

Employers Liability:
Insure your legal liability to compensate employees for injuries sustained while working for you. Available as an optional cover, it includes costs incurred by you and your employees.

Residential Contents Cover:
Our contracts offer a minimum of £5,000 contents coverage, with flexibility to increase the coverage as needed.

Directors & Officers Cover:
Shield your directors’ personal assets from potential lawsuits. Add this coverage to certain contracts to protect directors or management committees from claims brought by various stakeholders.

Legal Expenses Insurance:
Navigate potential legal challenges surrounding property issues confidently with our insurance product, ensuring you’re prepared for any unforeseen problems.

Property Emergency Solutions:
Opt for our cost-efficient addition to “residential” policies, covering domestic emergencies. Enjoy 24/7/365 call-out coverage, with up to £1,000 for contractor costs and alternative accommodation expenses up to £250.

Terrorism Cover:
For wider coverage often required by lenders or loan agreements, opt for our separate terrorism policy. Our flexible coverage surpasses the standard Pool Re policy, offering enhanced protection against terrorism-related risks.

When it comes to securing your property, Property Protector is your dedicated partner. Don’t leave your investment to chance – choose comprehensive insurance coverage that understands your property’s unique needs. Reach out to us today to explore how we can tailor our insurance solutions to your property’s protection. Your property’s security starts with Property Protector.

Contact us now
newbusiness@propertyprotector.co.uk or call 0115 968 3293

Property Protector, 107 High Road, Beeston, Nottingham, NG9 2JU
W: www.propertyprotector.co.uk | E: development@bnlpp.co.uk  | T: 0115 968 3293