• Portfolio size of up to 20 properties,
  • Residential buildings declared value up to £1,000,000,
  • Commercial or mixed-use buildings declared values up to £2,500,000,
  • Blocks of flats declared value up to £2,500,000

Suits: Small Medium Enterprise landlords and property investors


For new business and renewals transacted from 01 April 2020 we would like to draw your attention to the Important Notice to Policyholder document outlining changes to the policy wording.

New business quotes of fewer than six properties is now traded exclusively on Properties, our e-trade proposition designed specifically for property owners of commercial and residential premises, as well as mixed occupancy and blocks of flats. Or any combination of these!

This move is designed to make your life easier - giving you back time to concentrate on your customers. By doing business with us on-line, you are realising the benefits that e-trade bring you and that they are far above the traditional way you have done business with us in the past – make sure you take advantage.

For more than six properties, or for customers that are too big to e-trade, we also offer our Property Owners' Insurance product.


Take a look at the Properties Refresh Brochure for details of the changes that we've made.

Great standard cover

  • Wide definition of buildings - car parks, outbuildings, CCTV and lighting, drains, pipes and cables, landlords fixtures and contents of common parts
  • Day one cover to a maximum of 50%, with 30% as standard included in the price
  • Up to £500,000 alterations, additions and newly acquired buildings cover
  • Malicious damage and theft by tenants included
  • Alternative accommodation costs, including loss of rent up to 30% of buildings sum insured for residential properties
  • Contract Works cover where the policyholder is responsible for arranging insurance and the contract price is less than £100,000
  • Automatic cover for Book Debts up to £25,000 for outstanding debts that you are unable to trace following damage covered by the policy

Flexible range of benefits

  • Landlords’ contents up to £50,000
  • Terrorism cover
  • Legal expenses up to £100,000
  • Property owners’ liability up to £5,000,000 (with Legionellosis included up to the same limit)
  • Loss of rent for commercial premises up to £2,500,000 over 36 months
  • Flexible commission – reduce to as low as 0% or increase to a maximum of 40%


Click here to visit our Properties FAQ's page.

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Extremely competitive for eligible residential tenant types with a Declared Value over £100k
  • Office and Retail premises with a Declared Value over £100k
  • Single tenure industrial units and retail warehouses with a Declared Value over £100k
  • Single premises portfolios
  • Two or four non-residential premises portfolios

Positive risk features

Factors we will take into account to make our sweet spots even more competitive.

  • Fewer than 3 claims per premises in last 5 years
  • Standard construction
  • Built after 2000 or between 1965 & 1979
  • Full repairing lease
  • Property owned for more than 7 years


Risks we would never write, or write only rarely forming a small part of a wider portfolio.

  • Dry Cleaners, Laundries or Hotels and Restaurants with their own Laundry Facilities
  • Car Showrooms, Tyre Fitters, Automotive Repair Garages and similar in the Motor Trade sector
  • Bed & Breakfast/Care & Support/Asylum Seekers
  • Housing associations or property developers
  • Multi tenure industrial units or retail warehouses
  • Use of Guard Dogs
  • Use of pressure jet heaters
  • Incorporation of composite panels in construction of commercial premises involved in food production or storage
  • More than incidental proportion of empty premises
  • Less than six months tenancy agreements

Did you know

80% of trades are eligible occupants for RSA Properties.

Claims Information

Express Claims Handling

We express handle suitable commercial property claims worth up to £2,500. This means that we aim to conclude settlement within 24 hours* by collecting important information to validate the policy cover at first notification, and making payment by your customers' preferred method.

Unique in-house Loss Adjusting service

Exclusive access to a network of carefully selected suppliers offering property services at specially negotiated rates.

*Core working hours are Monday to Friday, from 9am to 5pm.

Property Claims:
0330 102 4100
Liability Claims:
0330 100 6479