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Protect Your Property from Tenant-Caused Damage
Even with careful vetting, tenants can cause accidental, deliberate or negligent damage to commercial properties. Tenant Damage Insurance provides financial protection and covers repair costs, legal support, liability risks, and charges recoverable under the terms of the lease.
What Tenant Damage Insurance Covers
Protection for landlords when tenants damage the building or breach their responsibilities.
- Accidental damage caused by tenants
- Malicious & deliberate damage by tenants
- Negligent behaviour leading to property damage
- Damage to fixtures, fittings & improvements
- Damage caused during illegal or unauthorised activities
- Loss of rent following tenant-caused damage
- Legal expenses to pursue recovery from tenants
- Emergency repairs and callouts
- Option to cover cleaning & restoration of damaged units
Common Risks Associated with Commercial Tenants
A wide range of tenant behaviours and actions can result in costly property damage.
- Damage from misuse of utilities or equipment
- Alterations to the building without permission
- Trade activities exceeding permitted lease use
- Accidental fires, floods or water leaks
- Failure to maintain or secure the premises
- Contamination or waste disposal issues
- Eviction or abandonment leaving the site damaged
- Damage from unauthorised subtenants or contractors
Why Choose Insure24
- Specialist protection for commercial landlords
- Cover available for all property types and lease arrangements
- Add-ons for legal expenses & recovery actions
- Fast quotes from leading UK insurers
- Portfolio policies available for multi-site landlords
- Dedicated claims support 7 days a week
FREQUENTLY ASKED QUESTIONS
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Does landlord insurance cover tenant damage automatically?
Not always. Standard property insurance may exclude malicious or deliberate damage by tenants.
Tenant Damage Insurance provides specific protection for both accidental and intentional damage.
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Is damage caused by illegal activities covered?
Many policies offer protection for damage resulting from illegal or unauthorised activities,
provided the landlord was not aware of or involved in them.
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Can I recover repair costs from the tenant?
Yes - policies may include legal expenses cover to pursue the tenant for recovery of damages,
rent arrears or breach of lease.
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Is this insurance suitable for multi-unit landlords?
Yes - cover can be arranged for single units, entire buildings or portfolio landlords with multiple commercial tenants.