Property

Residential and Commercial Property

Housing all properties under one policy

What is Residential and Commercial Property Owner’s Insurance?

The DOA residential and commercial property insurance product covers buildings used for residential or commercial purposes, for commercial clients.

The perfect policy for landlords, DOA can provide cover for single properties or an entire portfolio, all under one policy.

What does Residential and Commercial Property Owners’ Insurance Cover?

Choose to include the coverage sections that best fit your needs, including:

  • Property Damage
  • Loss of Rent
  • Terrorism
  • Employers Liability
  • Property Owners Liability

Limits and Minimum Premiums

  • Premiums starting at £200 plus IPT*
  • Total sum insured up to £10,000,000 any one property
  • Encompasses both Employers Liability (optional) and Property Owners Liability coverage (included), available with a limit up to £10,000,000
  • Caters for single or multiple let properties
  • Residential or Commercial let properties covered under a single policy
  • Bespoke legal expenses cover available

*DOA Underwriting Ltd fees apply, advised on each quotation.

Our Appetite

We excel in organising Residential and Commercial Property Owners Insurance for a diverse range of businesses such as:

  • Blocks of flats up to 3 stories (Timber) or more if concrete
  • HMO up to 5 unrelated tenants
  • Holiday let and bed & breakfast
  • Retail shops with flats above
  • Catering risks including public houses, restaurants and fish & chip shops
  • Dry cleaners & launderettes
  • Greengrocers, licenced stores & supermarkets
  • Manufacturers, wholesalers and warehouses

This list is not exhaustive. If you’re unsure whether your risk fits our appetite, please don’t hesitate to give us a call.

Outside of our Appetite

  • Assisted living
  • AST’s not between insured & tenant
  • Asylum seekers
  • Charity lets
  • Converted mansions
  • Nightclubs
  • Single flats
  • Vape Shops
  • Upholsterers
  • Mattress manufacturers
  • Vehicle repairers including heat or paint spraying
  • Amusement arcades or adult gaming centres
  • Jewellers or pawnbrokers
  • Textile manufacturers or warehousing

How can DOA help?

The commercial team at DOA provide specialist expertise to underwrite a wide variety of properties and tenant types.

If you would like to submit an enquiry to us online and already have access to our online facilities, please click the button below to complete your enquiry (please have your username and password ready).

Online Facilities

If you have an agency with DOA, you may contact us directly for a quotation:

John Harris Head of Trading & Distribution (Property & Liability) 01371 878577
Work With Us If you do not already have an agency and would like to become a DOA agent, you can apply here:

 Agency Application