NFU Mutual

Property Owner and Landlord insurance

Property owners and Landlords can face various risks – from fire and flood, to loss of rental income, and liability for injury to the public, employees or tenants.

There may also be other risks specific to your business or sector – risks your local NFU Mutual office will help you identify and manage.

With our Property Owners insurance policy, you can protect yourself, your employees, your tenants and your business assets. Our policy includes cover suited to a variety of portfolios – from houses and flats, to office and retail premises. It’s also flexible so you can choose optional cover to meet your business needs now and in the future.

Key things to know about our cover

  • Property – Your buildings are covered as standard. New buildings, alterations, additions and improvements are also covered for 90 days. This will be up to 10% of the amount you’re insured for, and up to a maximum of £500,000
  • Loss of income – Covering the loss of income due to damage at your property, up to £1.5 million. This includes loss of rental income caused by damage at nearby properties, up to £100,000
  • Liability - You or your employees may be held responsible for accidental injury to the public or for damage to their property. Our normal cover is £2.5 million but you can choose higher limits. Also as an employer, you have a legal responsibility to buy employers’ liability insurance. If you choose to add this we provide £10 million as standard but higher limits are available.

Why choose NFU Mutual?

Local presence

With a network of 300 agency offices nationwide, we can meet you face to face and really get to know you and your business.


With over 100 years of insurance knowledge and expertise, we know the industry inside and out.


Instead of making decisions based on shareholders' needs, we make them with your best interests in mind. We reward our loyal customers through a Mutual Bonus which provides a saving on the renewal premium of your General Insurance policy.

However, we recognise that every business is different and understand that one size doesn’t necessarily fit all, that’s why for businesses with more complex insurance needs we offer a Commercial Select product, and if you need it, more specialist sector advice.

Find your local NFU Mutual office and have a real conversation about your business needs, and see why 9 out of 10 business insurance customers choose to stay with us year after year.