- LANDLORD INSURANCE -

At Murphy Stuart, we understand the importance of protecting your assets, particularly if you own a  property that provides you with a source of income.

Whether you are a landlord leasing a property to tenants, or if you own an apartment block or commercial property, it is important to safeguard your building against either malicious or accidental damage. At Murphy Stuart, we cover all types of properties. We also insure unoccupied buildings.

There will be certain material damage areas that you will need to take into consideration if you own a property for commercial or income purposes, such as:

Damage occurring to buildings, machinery, fittings and stock, as a result of one or all of the following perils:

  • Fire, lightening or explosion
  • Storm or flood
  • Subterranean fire
  • Riot, civil commotion or malicious damage
  • Water or fuel leak from tanks, apparatus or pipes
  • Impact by vehicles or animals
  • Theft or attempted theft following forcible or violent entry or exit to or from your premises
  • Accidental damage

We provide a range of cover options to suit the nature of your property and your needs,

Such as:

  • Automatic cover for alterations, additions and improvements for a percentage of the sum insured on your property
  • Reinstatement of the amount of any loss
  • Removal of debris costs – the cost of removal of debris from the damaged property
  • Trace and access – this covers the cost of establishing the source of water or fuel oil leakage from any tank, apparatus or pipe, and subsequent repairs arising directly from this, up to an agreed limit
  • Locks and keys – covers the cost of replacing locks and keys up to a stated limit
  • Metered utilities – covers charges incurred as a consequence of damage up to a stated maximum
  • Public authorities – the additional costs incurred in the rebuilding or repair of the property, to a required local authority standard
  • Temporary removal of deeds, documents and computer systems records

Give us a call today and a member of our experienced, friendly team will be happy to provide you with further information and discuss your options.

Don’t delay! Protect your investment today.

INSURANCE COVER OPTIONS

We provide the following insurance covers:

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Shops

If you run or manage a business, protecting yourself and your earnings against the unexpected is essential to your risk management strategy.

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Tradesmen

At Murphy Stuart we specialise in Contractors Insurance .We advise a broad range of construction companies- from large expansive construction companies, to small family-run building operations.

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Van & Motor Fleet

At Murphy Stuart, we have many years of experience in the area of motor insurance. As a result of this, we have garnered a reputation for being in a position to provide you with the best deals.

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Professional Indemnity

Professional Indemnity Insurance is a form of liability insurance. It is also known as professional liability insurance and, in some cases, it is referred to as errors and omissions insurance or malpractice insurance.

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Pubs & Restaurants

Commercial Property Insurance covers you for things like rent, rates, salaries, transport; rent, rates, salaries, gross profits, revenue and any increases in your cost of working.

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Offices

Commercial Property Insurance covers you for things like rent, rates, salaries, gross profits, increases in your cost of working and alternative premises hire.

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Hair & Beauty

Talk to us about taking out quick, comprehensive cover if you own or run a beauty salon, hairdressers or massage parlour.

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Landlords

At Murphy Stuart, we understand the importance of protecting your assets, particularly if you own a property that provides you with a source of income.

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