Insure a whole portfolio of properties
Our Property Owner’s Insurance is designed for UK property owners, to cover a whole portfolio of property.
With over 300 years of experience covering property owners, we are able to provide our customers with expertise in claims and risk management to help them better mitigate risks.
Our cover options include:
- Buildings insurance
- Loss of rent insurance
- Terrorism insurance
- Property owners' public liability insurance
- Employers' liability insurance
Get in touch with us to learn more about the wide range of cover options and features, as well as a copy of our full policy wording.
To transact as an e-Traded product, see our Properties product.
Flexible cover, personal service
We have more than 300 years of commercial property experience for all types and sizes of companies.
Our expertise means we can tailor cover to suit the specific needs of each business.
Reliable, efficient claims
Our in-house claims team is fast and responsive – so when you’re due a claim, you get it as quickly as possible.
Help when you need it
To make sure you get the best out of our service, our underwriting team is always happy to help.
Examples we target and are most competitive in include:
- Large mixed commercial portfolios
- Office and retail portfolios
- Out-of-town entertainment and cinema complexes
We can offer particularly good deals for:
- Sprinklered premises
- Non-combustible construction
- Good risk management
- Single tenancy buildings
Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:
- Waste recycling
- Predominantly residential portfolios
- Portfolios consisting predominantly of unoccupied properties or properties undergoing refurbishment or redevelopment
The right expert on your claim
Direct access to decision makers
A highly experienced team responds when things go wrong. For you, this means minimum disruption and getting things back on track quickly.
Dedicated loss adjusters
Our adjusters take ownership of any claim and deal directly with you to arrange visits and agree settlements.
Bespoke supply chain service
Customers get access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
Commercial property claims information
Get an overview of our claims service for commercial property.
- We put you in touch with a tradesperson from our carefully selected panel.
- You pay cost of any work done, but where damage is caused by an insured event you can submit cost as part of your claim.
- If damage is significant, we put you in touch with our loss adjusting service.
- We offer fast, efficient service and impartial advice to agree the best course of action for each claim.
- Our office-based loss adjusters use video technology to deliver swift assessment and settlement of suitable losses (typically up to £10,000).
- Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.
- Our LAS team has instant access to RSA Underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.
- Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
- The team have the skills to manage major events and protect your customers’ financial and reputational interests.
- We work with you and your customers to plan for serious losses with potential high impact to their business.
- Our technical claims specialists will consider a potential high-impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place.
- A comprehensive range of reliable service providers – from drainage experts to validation and replacement of content items.
- This provides your customers with access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
- We ensure suppliers meet our challenging service level targets, delivering for your customers by monitoring each claim using a unique web-based platform to track both progress and costs.
Downloads and documents
Learn more about the key features of our Property Owner’s policy.
e-Traded Properties insurance
e-Traded property insurance for owners of up to six premises.