Commercial and residential cover, all under one roof

We designed our e-Traded Properties product specifically for property owners of commercial and residential premises. It covers mixed occupancy and blocks of flats, and is suitable for portfolios of up to 20 properties (with a declared value of less than £5m, £1.5m for residential and £2.5m for blocks of flats).

Property

Why choose RSA?

Our product is designed by our in-house experts who have a deep understanding of property owners’ needs. We also have an expert claims team who are passionate about handling claims quickly and efficiently. Which is why we offer a 24-hour claims notification helpline as well as a legal helpline to help businesses get back on track quickly.

It provides you all the flexible and reliable cover you need in one single product and can be put in place swiftly and simply by you online. In addition we have other benefits worth highlighting which will help give your customers the quality cover they need:

  • Landlords’ contents up to £50,000
  • Terrorism cover
  • Legal expenses up to £100,000
  • Property owners’ liability up to £5,000,000 (with Legionellosis included up to the same limit)
  • Loss of rent for commercial premises up to £2,500,000 over 36 months

Risk appetite and cover

Find out more about our risk appetite by exploring the tabs below.

  • Standard cover
  • Optional cover
  • Target customers
  • Positive risk features
  • Negative risk features

Standard cover

  • Accidental damage
  • Loss of rental income: Residential property up to 30% of buildings sums insured, available for commercial property up to £2,500,000
  • Malicious damage and theft by tenants
  • Landlords’ contents up to £50,000
  • Legal expenses up to £100,000
  • Property owners’ liability up to £10,000,000
  • Eviction of squatters legal expenses up to £10,000 for residential properties
  • Trace and access costs following an escape of water as insured up to £50,000
  • Loss of gas, oil, and metered water up to £25,000
  • Lock replacement cover following theft of keys or duplication of keys up to £5,000

Optional cover

  • Employers’ liability up to £10,000,000
  • Terrorism cover
  • Option to have day one uplift up to 50% available

Target customers

We have outlined some examples below where we have particularly strong expertise.

  • Portfolios comprising multiple properties both residential and/or non-residential
  • Office and retail premises
  • Single tenure industrial units and retail warehouses
  • Purpose built blocks of flats

Positive risk features

The following risk features are set values within the trading platform. If the information you enter sits within the below parameters, the platform should allow ‘straight through trading’ - saving you time.

  • Two or fewer claims in the past five years provided that the claim value is less than £10,000 for any one claim or less than £25,000 in total
  • Standard construction
  • Fully occupied premises
  • No history of flood, subsidence or employers’ liability losses
  • Residential buildings with professional working tenants with a total sum insured up to £1,500,000
  • Commercial or mixed-use buildings with a total sum insured up to £5,000,000
  • Blocks of flats with a total sum insured up to £2,500,000
  • Contents sums insured not exceeding £50,000
  • Rent receivable sum insured not exceeding £2,500,000 over a 36-month indemnity period

Negative risk features

Below we have listed a number of risks that sit outside of our appetite.

  • Dry cleaners, laundries or hotels and restaurants with their own laundry facilities
  • Car showrooms, tyre fitters, automotive repair garages and similar in the motor trade sector
  • Bed and breakfast/care and support/asylum seekers
  • Housing associations or property developers
  • Multi tenure industrial units or retail warehouses
  • Incorporation of composite panels in construction of commercial premises involved in food production or storage
  • Holiday lets
  • Waste and recycling facilities
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Get an expert claims team on your side

We understand the impact a claim can have on your customer’s business. That’s why our dedicated teams will provide a fast and efficient claims service to get people and businesses back on track as quickly as possible.

Nastuh Abootalebi Ywwob8kwock Unsplash

Helping businesses be safer, stronger, and more resilient

We offer a wide range of risk control guides to help safeguard your customers’ businesses and interests. From health and safety to weather damage, you can help your customers put in place a comprehensive risk mitigation programme by supplying them with a wide range of content created by our risk experts.

Information about the upcoming Polaris update

Polaris are upgrading the e-traded property owners’ questions.  The questions go live for new and renewal business in early October.  To help you prepare, click here for details. 

Notice to policyholders

RSA have updated our non-motor policy wordings. These new wordings (located below) will apply to new business and renewals transacted on or after 19th November 2021. If you are renewing an existing RSA policy we would like to draw your attention to the Notice to Policyholder (November 2021). This highlights the changes to each of the policy wordings. Please ensure you select the version that corresponds with your product, and include this with your clients other renewal documentation.

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How to trade with us

For portfolios of up to 20 properties, you can e-trade quickly and efficiently.

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