Properties insurance e-traded
Flexible, e-traded commercial property insurance for owners with a portfolio of up to 20 properties.

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 with all the flexible 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 £100,000
- Terrorism cover
- Legal expenses up to £100,000
- Property owners’ liability up to £10 million (with Legionellosis included up to the same limit)
- Loss of rent for commercial premises up to £2.5 million over 36 months

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. We can write up to a declared value of £10 million for purely commercial premises, £5 million for blocks of flats, and £1.5 million for residential premises.
Defaqto liked our Landlord Home insurance policy so much they gave it 5 Stars! (This Defaqto rating also covers our e-traded Properties insurance)
Risk appetite and cover
Find out more about our risk appetite by exploring the tabs below.
- 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
- Legal expenses 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
- Legal expenses 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
- Terrorism cover
- Option to have day one uplift up to 50% available
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
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 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
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 with more than three occupants
- Incorporation of composite panels in construction of commercial premises involved in food production or storage
- Holiday lets
- Waste and recycling facilities

Get an expert claims team on your side

Helping businesses be safer, stronger and more resilient
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