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What does it cover?

We will appoint a solicitor to represent you and pay their costs to protect your rights as a landlord arising from:

  • Repossession of a residential property;

  • Property damage, nuisance and trespass;

  • Recovery of rent arrears;

  • Commercial lease disputes;

  • Holiday homes contract disputes

We will also pay alternative accommodation and/or storage costs while trying to gain possession of your property.

Rent indemnity cover is also included so you do not end up out of pocket if repossession is being sought and your tenant defaults on rent due.

 

Assistance when you need it

Commercial property owners includes useful assistance services providing helplines and online help.

 

Legal and tax advice

You can call our legal advice helpline and get immediate advice on all tenancy-related legal problems within UK law 24 hours a day, 365 days a year. (England and Wales only; advice in other jurisdictions is available 9am-5pm Monday-Friday, excluding bank holidays.)

You also have access to our tax advice line, open 9am-5pm, Monday to Friday (except bank holidays), which will answer your personal tax queries subject to UK laws.

Your query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters. Services are subject to fair and reasonable use.

Legal advice helpline
 

Landlord legal services website

Your policy unlocks free access to our landlord legal services website, this provides a range of useful tools to help you. You can access our law guides which offer guidance on a wide range of legal topics, as well as videos and claims examples that demonstrate how our cover can help.

 

Various levels of cover

We offer a number of different products; for example, more comprehensive policies will offer extra areas of cover, including cover for contract disputes and tax protection.


Commercial legal expenses insurance

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Loss assist

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Tenant problems checklist

This checklist will give you an idea of the topics our legal advisers will want to cover. Get this information ready in advance of your call so our experts can give you the best possible advice and avoid having to stop the call for you to gather more information.

Please note – this checklist applies to properties based in England. If your property is based in another location this checklist will not apply, but we can still give you advice over the phone for properties in some other locations.

  • 1. Have the tenants paid a deposit and did you manage it correctly?

    a. Has the deposit been protected in a Government approved tenancy deposit scheme and was information about the deposit scheme provided to the tenant within the relevant time frames?

  • 2. How much deposit have you taken?

    a. What is the total deposit amount for the property
    b. Have you taken any other payment other than rent from the tenant?

  • 3. Has the tenant been served with all the correct certificates?

    a. Energy Performance Certificate, a Gas Safety Certificate, Electrical Safety Certificate and the Renters Right Act Information Sheet 2026?

  • 4. Do you use a letting agent?

    a. Is there a person or company that manages the property and tenant on your behalf?

  • 5. Have you served any notice on the tenant? If so, what notice?

    a. This can include a section 21 (prior to the 30th April) or section 8.

  • 6. Is the tenant in rent arrears?

    a. If so, how many weeks/months in arrears is the tenant?
    b. Is the tenant in receipt of benefits?