Property Owners Insurance (Portfolio Cover)

This cover is ideal for landlords or organisations that own multiple commercial properties and want them insured under a single policy.

Portfolios can include a mix of residential properties, shops, offices, warehouses, industrial units and other commercial buildings, subject to insurer acceptance.

Portfolio cover can often offer cost efficiencies and reduced administration compared to insuring each property individually, though this depends on risk and property details.

Yes. Properties can usually be added or removed throughout the policy period, keeping your cover aligned with your portfolio.

Yes, loss of rent cover is commonly included or offered as an option for each insured property.

Unoccupied properties can be insured, but may require additional conditions or specialist terms.

Buildings should be insured for their full rebuild cost, not market value. Accurate valuations help avoid underinsurance. You should factor in all relevant costs such as demolition of existing property, labour, materials, professional services and consultancy.

Malicious damage by tenants is often available as an optional extension.

Yes, portfolio policies are designed to accommodate varying occupancies and uses across different properties.

Yes. Properties across multiple locations can usually be included under one portfolio policy.

Insurers may apply different terms, excesses or premiums to individual properties within the portfolio, while still keeping them under a single policy.

Yes. Mixed‑use properties may be included, although specialist terms may apply depending on the residential and commercial split.

Property owner’s liability is typically included or offered as an option and can apply across all insured properties.

Yes. One benefit of portfolio cover is a single renewal date, simplifying administration and reviews.

Yes. Common areas such as stairwells, corridors and shared entrances are typically included within buildings cover.

Security conditions may vary depending on property type, occupancy and location. These will be detailed in the policy terms.

Rebuild values should be reviewed regularly, especially if properties are refurbished, extended or affected by rising construction costs.

Yes. Loss of rent cover can usually be set individually for each property within the portfolio.

QMT Commercial provides ongoing support, including mid‑term adjustments and renewals, helping you manage your portfolio with confidence.