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We have revised the enhanced covers on our excellent Zurich Property Owners Scheme. Enhancements to the Standard Policy Wording now include:

Extra Benefits under our Let Property/ Property Owners Scheme
Commercial Property Owners

Some of the main benefits of this scheme are:

           Zurich (Enhanced scheme)

  • Nil Excess (Other than £250 malicious damage from tenants and £1000 subsidence).

  • £5million property owner's liability cover included free of charge.

  • Policy is on a full All Risks basis and all damage is covered unless specifically excluded.

  • 30% loss of rent cover is provided automatically and free of charge.

  • Employers Liability cover (£10million) automatically included.

  • 35% Day one uplift automatically included.

  • Malicious damage from tenants automatically included.

  • Accidental damage cover automatically included.

  • The policy automatically notes all interested parties with no need to endorse.

  • Damage to trees, shrubs and plants is covered (up to a limit of £5000)

  • Cover is provided (up to a limit of £10million) to other properties owned by the policy holder which they

  • inadvertently omit to insure.

  • Cover is provided (up to a limit of £10million) where a lease states that the tenant is responsible for insuring a property but they fail to do so.

  • Privity of contract cover included.

  • Properties newly acquired by the policy holder are covered (up to a limit of £5million & £10million for retail and office premises) for 30 days from the date of purchase.

  • Removal of nests and vermin is covered per claim £1000.00. 

  • Fly tipping cover provided (covering the cost of removal of property illegally in the insured property or its grounds up to a limit of £25,000).

  • Claims up to £2000 settled within 48 hours.

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