Property Owners Insurance

Whether you are a Freeholder, Leaseholder, Mortgagee or Owner, your premises represents a substantial investment that should be adequately protected.

Property Owners Insurance provides the following cover:

  • Damage to property – loss or damage to buildings, landlord’s fixtures and fittings, walls, gates, fences, plus removal of debris and an amount towards architects, surveyors, and consultants fees.
  • Loss of rent – cover against loss of rent receivable should your premises be unoccupied following loss or damage to your property
  • Property Owners Public Liabilty – protection against claims made by the public or other businesses for death, injury or damge to property brought about as a result of your negligence or that of your employees.
  • Employers’ Liability – your liabilty for injuries to employees at work. If your business employs any staff, including part time staff, trainees, or sub contractors you are required to have this cover by law.

We can arrange policies for residential and commercial properties from a single buy to let landlord to large and varied property portfolios. Policies can be tailored to meet individual client’s needs, for example you can choose your sum insured and optional extra covers such as landlords’ fixtures and fittings. This way you make sure you have all the covers you require but do not pay for anything that you don’t need.

We can arrange access to free 24hr legal and tax helplines and risk management helplines for clients with some insurers.


"Just to say it’s been a pleasure doing business with you which makes a refreshing change in this crazy world we live in."

Read More


We passionately believe that good service does not occur annually at renewal time, but all year round. Our experienced staff are on hand to provide advice and guidance on all types of claims.

MID Information & Updates

MID Database update information for insurance providers
Use the information in this table to update records held on the MID Database - Note this is for Motor Fleet and Motor Trade policy holders only to update the UK Motor Insurance Database.
See Table

Latest News
We’re Live!

Our brand new site has just launched! Check out the Before and After pictures…

Read More

© Fletcher Smith Insurance. 2019. Terms of Business Agreement

East Pennine Insurance Consultants Limited is authorised and regulated by the Financial Conduct Authority under register number 506481 and holds Interim Permission as a Credit Broker (interim permission number: 634031). East Pennine Insurance Consultants Limited does not charge any fees to customers in relation to Credit Broking activities.