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Landlord Insurance

Whether you’re a residential landlord or own an office, shop or other business premises, with our Landlord insurance, you can protect yourself and your business.

Our policy is flexible so you can choose optional cover to meet your needs now and, in the future, and update it whenever you need to without paying any admin fees.

After all, commercial property owners and landlords can face risks varying from fire and flood, loss of rental income, as well as liability for injury to the public, employees or tenants.

Your business is also likely to have its own specific set of risks, which your local NFU Mutual agent will help you identify and manage.

Who do we cover?

Our commercial property and landlord building insurance covers all sorts of business premises, including but not restricted to:

  • Shops
  • Offices
  • Landlords residential property – either single premises or portfolio
  • Houses

What’s covered by our Landlord insurance?

  1. 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
  2. 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
  3. 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, if you are an employer, you have a legal responsibility to buy employers’ liability insurance. You can choose to add this cover on, we provide £10 million as standard but higher limits are available.

Additional cover that you can choose includes:

  • Landlords Contents
  • Money and Malicious Attack
  • Goods in Transit
  • Terrorism
  • Engineering Insurance and Inspections
  • Commercial Legal Expenses

Why choose NFU Mutual?

Local presence

With a network of over 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 your loyalty by offering a discount on your general insurance premium when you renew.