e-Traded Properties insurance
Commercial property insurance for owners with a portfolio of up to 20 properties.
Flexible and reliable cover which can be traded online, covering:
- Buildings insurance
- Contents insurance
- Loss of Rent insurance
- Terrorism insurance
- Property Owners' Public Liability insurance
- Residential and Commercial Property insurance (or a mixture of both)
Why choose RSA?
Our team of product experts
Our e-Traded Properties insurance is designed by our experts. They possess a deep understanding of property owners' needs, and have created a product that aligns with those specific requirements.
A claims service you can rely on
Our claims team are passionate about handling claims quickly and efficiently. We offer a 24-hour claims notification helpline, as well as a legal helpline to help businesses get back on track quickly.
Our product can be traded by you online
Our one single product can provide all the cover you need. You're able to get a quote and trade online, quickly and easily.
What's covered?
Find out more about what's covered as part of our e-traded properties insurance, and our risk appetite.
- Accidental damage
- Loss of rental income: Residential property up to 30% of buildings sums insured, available for commercial property up to £2.5 million
- Malicious damage and theft by tenants
- Landlords’ contents up to £100,000
- Property owners’ liability up to £10 million
- 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
- Accidental damage
- Loss of rental income: Residential property up to 30% of buildings sums insured, available for commercial property up to £2.5 million
- Malicious damage and theft by tenants
- Landlords’ contents up to £100,000
- Property owners’ liability up to £10 million
- 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
- Employers’ liability up to £10 million
- Legal expenses up to £100,000
- Terrorism cover
- Option to have day one uplift up to 50% available
Some examples 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
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.
- 2 or fewer claims in the past 5 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 declared value up to £1.5 million
- Commercial or mixed-use buildings, with a total declared value up to £5 million
- Blocks of flats, with a total declared value up to £5 million
- Contents declared value not exceeding £100,000
- Rent receivable sum insured not exceeding £2.5 million over a 36-month indemnity period
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 with more than 3 occupants
- Incorporation of composite panels in construction of commercial premises involved in food production or storage
- Holiday lets
- Waste and recycling facilities
Commercial and residential cover, all under one roof
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.
Help your customers put a risk mitigation plan in place by supplying them with useful content from our Risk Consulting pages.
Documents and downloads
View and download policies, brochures and more.
Risk management guide
Trade with us
If you have a portfolio of up to 20 properties, you can easily trade with RSA Online. If you're not an RSA broker yet, find out how to apply and become part of the family.