COMPREHENSIVE COMMERCIAL & RESIDENTIAL PROTECTION

Property Owners Insurance

Omnyy understands the risks faced by property owners and brings specialist underwriting expertise to finding the right solutions. Working closely with our broker partners, we provide extensive Property Owners Insurance for both UK commercial and residential properties, including individual assets and mixed property portfolios.

Introduction

In a market shaped by evolving construction standards, climate-related risks, and regulatory obligations, property ownership brings significant financial exposure. Omnyy’s Property Owners cover provides practical solutions for landlords, investors, and managing agents, covering commercial and residential properties across the UK.

Our specialist underwriters take a considered approach to each risk, addressing nuanced challenges to support a range of property types, mixed tenancies, and non-standard building features. Lloyd’s terrorism and sabotage cover can be integrated into the placement, with A-rated capacity and legal expenses cover available.

A curving street of brightly painted shopfronts with flats above

ACCEPTABLE TRADES

Who we work with

We have a wide-ranging appetite for Commercial and Residential Property Owners business, which include but is not limited to the following:

Purpose built Offices
Purpose-built high-street retail (including residential above) and shopping centres
Light – Medium Industrial / Manufacturing / Warehouse / Retail warehouse
Leisure trades
Purpose built, concrete floored Blocks of flats
Private Dwelling Houses (PDH)

A red-brick terrace of houses along a quiet Manchester street

Our Property Owners Insurance policy offers a range of flexible cover options and valuable benefits designed to meet your business needs.

Flexible Structuring: Ability to easily accommodate multi-tenancy risks.
Up to £30,000,000 sum insured any one location.
15% day one uplift included as standard with the option to increase to a maximum limit of 50%.
Up to £10,000,000 Property Owners Liability limit.
Residential landlords’ contents automatically included to £25,000 with an option to increase.
Alternative Residential Accommodation and Rent included up to 33.3% of sum insured.
A-Rated Capacity: Backed by trusted carriers for financial security.
Comprehensive Legal Expenses cover available.
Proven Wording: Lloyd’s Terrorism & Sabotage product available for integrated solutions.