Property Owners insurance is suitable for:-

Properties let as Shops, Public Houses, Hotels, Restaurants, Guest Houses, Offices and Private Houses / Flats that are let on a long-term – six months normally.

This type of policy is built around a "Core" of standard cover, to include:-

• Buildings - Cover against accidental damage for the full cost of repair or re-building. An option to include Subsidence Cover is also available.
• Contents - Protection for contents, including machinery and plant, trade furniture, fixtures and fittings against accidental loss or damage.
• Business Interruption - Protection against financial loss due to disruption of rental payments following a claim.
• Glass - Breakage of glass and sanitary fittings.
• Liability - Covers your legal liability to employees or members of the general public.

HGR Insurance Brokers also have access to facilities covering student properties and unoccupied properties awaiting sale, together with properties used as holiday cover in UK and Europe. The cover for these types of properties can sometimes be restricted, but we would discuss any restrictions with you before any cover is arranged.

We would be pleased to provide you with a quotation, with no obligation, upon request. If you would like a quotation, please complete the Enquiry Form