Complete Property Owner

Combined sum insured per premises of up to £10,000,000.
Includes cover for alternative residential  accommodation; replacement locks & keys; fire prevention & security equipment; trace & access and metered supplies. Variable limits apply.
Up to £2,000,000 with the option to increase to £10,000,000.
Cover up to £250,000 for any one event and up to £1,000,000 for any one period of insurance for selected events. Includes free access to Allianz Legal Services.
Loss of rent; employers’ liability and personal accident. Variable limits apply.
We’ve removed Average from our Complete Property Owner product to maximise certainty in the event of a claim.
We prefer properties that:
  • are fully occupied
  • are well managed
  • are constructed from non-combustible or fire-resistant materials
  • are claims free
  • have a good approach to risk and building management
  • have fixed heating.
Risks we’re less keen on:
  • country houses and mansions
  • country clubs
  • wood manufacturing with a property damage/loss of rent combined sum insured greater than £1,000,000
  • high hazard plastic manufacturing
  • chemical and rubber manufacturing
  • waste and recycling activities
  • glass manufacturing.
Access all policy wording and other
Log on to QuoteSME
our digital trading platform.
Read further information about multi-occupancy building insurance and how to provide information to leaseholders. 
Our full cycle trading platform allows you to quote, buy, amend and renew Complete Property Owner at the touch of a button, with instant electronic documentation. 
Early payment of up to 50%
of reserve value for SME property claims upon confirmation of cover.

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