Property Owners' Insurance
A+ rated capacity for commercial and mixed-use property portfolios.
Whether your clients own a single commercial premises, a large investment portfolio, mixed-use residential and commercial properties or complex multi-site portfolios, our experienced underwriters can provide comprehensive cover from A+ rated capacity.
Key product features
Property owners' liability
Business interruption
Buildings
Loss of rent
Employers' liability
Legal expenses
Terrorism extension
Risk appetite
We can consider most types of commercial property, including:
Offices
Retail units
General & specialist industrial
Agriculture buildings let for commercial purposes
Leisure & hospitality
Healthcare - care homes, doctor & dentist surgeries
Unoccupied commercial property
Mixed-tenure property
Listed buildings
Property of non-standard construction
Property with composite panels (LPCB approved)
Why choose Glemham?
With direct access to underwriters, flexible consideration of a wide range of property types and an approach that assesses each risk on its individual merits rather than relying on a one-size-fits-all approach, we help brokers find solutions for commercial, residential and mixed-use portfolios. Whether the risk involves standard investment properties or more complex exposures, we work with brokers to provide commercial property owners solutions.
Flexibility where it matters
Specialist property expertise
Broad risk appetite
Solutions for hard-to-place risks
Case studies
Commercial / HMO property
The risk: Mixed-use commercial property including shops and offices with student HMOs above.
The solution: The incumbent insurer withdrew because the property comprised student HMOs situated above retail units, leaving the broker with limited alternative markets. We reviewed the risk and confirmed that the HMOs were well maintained, met the relevant HMO criteria and did not permit cooking within individual rooms. Based on these findings, we agreed a rate that was acceptable to both parties.
Large commercial property
The risk: Large commercial property with multiple tenants.
The solution: Given the diverse tenant mix and the potential for a high premium, we assessed the fire separation between the units and worked with the insurer to calculate the estimated maximum loss (EML). This enabled us to demonstrate the extent of the insurer’s potential exposure and agree a competitive rate. Although most insurers had declined the risk because of its size, our detailed assessment allowed us to provide terms and secure the business for the broker.
Retail / holiday let property
The risk: Commercial property with retail units, hospitality risks, and holiday apartments above.
The solution: The holding insurer declined the risk because the Grade II listed property was of traditional timber-frame, lump, and clay construction. Drawing on our local knowledge of Bury St Edmunds, we established that this construction method was appropriate for a property of its age and type and is common throughout the area. We then worked with the broker to agree a suitable rate and excess.
FAQs
We have a broad appetite for commercial property risks. We assess each risk on its own merits and welcome discussions on cases that may fall outside standard insurer criteria.
Yes. We understand that properties can become unoccupied for a variety of reasons and have significant experience underwriting vacant premises. Our team will work with you to understand the risk and identify an appropriate solution.
Yes. Whether your client owns a handful of properties or a larger portfolio, we can provide one policy covering commercial, residential, and mixed-use risks, reducing complexity and making portfolio management easier.
As a specialist MGA, we combine flexible underwriting with direct access to experienced decision makers. We take a realistic approach to risk assessment and aim to provide quick responses, clear communication, and tailored solutions for brokers and their clients.
Simply contact our underwriting team on 01728 441 444. We're happy to discuss a risk before submission and can provide guidance on appetite, underwriting requirements, and the information needed to secure terms.
Our property owners' insurance team
Find out more
To find out more or to get a quote, speak to a member of the team.