Property Owners insurance
Insurance for property owners including sole traders, small and medium enterprises and residential property owners.
Insurance for property owners
This product is intended for property owners who own relatively small or simple premises or simple property portfolios and rent them to 3rd party tenants.
Property Owners insurance product highlights
Baptist property owners' insurance can include the following:
- Property damage - protection for your buildings and contents of common parts in the event of fire, explosion, storm, flood, falling trees, vandalism, escape of water, vehicle impact, and forcible and violent theft. For residential properties, we also cover your loss of rent and alternative accommodation for residents where such premises become uninhabitable following insured damage.
- Equipment breakdown - cover for a range of equipment, including lifts, boilers, and air conditioning systems.
- Rental income - loss of income following an insured event under the Property Damage section of the policy. The cover includes the extra costs to minimise the loss of rent.
- Public liability - with a limit of £5million, which can be increased upon request.
- Employer’s liability - for liability claims made by employees and volunteers.
- Legal expenses - legal fees, compensation awards, or appeal costs arising from a wide range of legal disputes. Legal fines cannot be covered by the policy.
- Terrorism cover - including loss of revenue.
Please read our Baptist Property Owners insurance policy wording for full benefits and exclusions of the policy.
Get a quote
Experiencing financial difficulty?
Frequently asked questions
The policy offers comprehensive cover and flexibility in the types of properties you can insure.
Key benefits of the policy:
- Suitable for any let properties you may own
- Inflation protection for your sums insured
- Enhanced cover where the property is let to your ministers and their family - walk-in theft for contents of common parts
- Property Owners' Liability limit of indemnity from £2million to £5million.
Yes, we understand how a manse is different from a commercially let property, and this policy is suitable for both.
The legal expenses cover is provided by DAS Legal Expenses Insurance Company, and you should refer to your policy wording for details of the cover.
To make a claim, please ring DAS directly on:
- 0345 601 2792
Our claims team will be happy to help – you can call them on 0345 070 2223.
Documents
Risk management articles
Night shelters – on church property
An overview of the considerations your church should make for the smooth running of a night shelter.
Risk calendar
Key dates through the year to help you look after and protect your church and those who use it.
Infrared heating technology
As church communities continue to take steps to reduce their carbon emissions to help tackle the effects of climate change, considering different types of heating provision may form part of any proposed changes.
Withdrawal of BT Redcare alarm signalling products – an insurer view
How are you affected by BT's decision?
Shed security
The contents of your sheds and other outbuildings might add up to more than you think. Make sure you keep them secure.
Heated seat cushions
Using lithium-ion battery-powered heated seat cushions.
A guide to church scaffolding
The presence of scaffolding on any building can seriously compromise security, the following requirements are therefore important to acknowledge.
Electrical wiring
Electricity in churches has the potential to cause fire and other risks to health and safety.
Health and safety
Health and safety responsibilities and how to meet them.
A guide to unoccupied buildings
Taking a proactive approach to managing unoccupied churches can help preserve these buildings for future use.
Providing warm spaces
In response to the fuel crisis, many churches from all faiths are opening their buildings to provide a warm space to people experiencing fuel poverty.
Electric bikes
Risks associated with electric bikes and how to manage them.