TRS Property

Specialist property insurance for landlords, developers and property professionals

Specialist Insurance for Property Owners

Whether you own residential, commercial, or mixed-use properties, TRS Property arranges specialist insurance designed around your property, ownership structure and risk profile.

We understand the risks property owners commonly face, from physical damage and liability to operational challenges. Our experienced team works with you to build cover that fits your portfolio.

Our Services

Commercial Property Insurance

Cover for your commercial buildings against risks such as fire, flood, storm, theft and accidental damage. We help you arrange appropriate cover based on your property and risk profile, including consideration of reinstatement values.

•Buildings reinstatement cover
•Flood & storm damage
•Malicious damage
•Subsidence cover

Business Interruption Insurance

When a claim disrupts your operations, business interruption cover is designed to replace lost income and meet ongoing fixed costs while repairs are made, subject to the sum insured and the indemnity period.

•Loss of rent income
•Increased cost of working
•Denial of access cover
•Utility failure cover

Landlord Insurance

Specialist cover for residential and commercial landlords, protecting your rental property portfolio with tailored policies that reflect the unique risks of letting property.

•Property owner's liability
•Tenant default cover
•Legal expenses
•Contents cover (furnished)

Public & Property Owners Liability

Protect yourself from third-party claims arising from injury or property damage that occurs at or is connected to your property.

•Third-party bodily injury
•Property damage liability
•Legal defence costs
•Pollution liability

Commercial Contents Insurance

Cover for the contents of your commercial premises, from office equipment and stock through to specialist machinery, against theft, fire and accidental damage.

•Stock & inventory
•Office equipment
•Specialist machinery
•Portable equipment

Block of Flats Insurance

Designed for freeholders and RTM companies managing residential blocks, providing buildings cover, communal liability, and directors & officers protection.

•Buildings insurance
•Communal liability
•Directors' & officers'
•Engineering inspection

Unoccupied Property Insurance

Standard property policies often restrict cover once a property becomes vacant. Specialist unoccupied cover is designed to keep appropriate protection in place during void periods.

•Void period cover
•Vandalism protection
•Flexible policy terms
•Vacant liability

Loss of Rent Insurance

If your property is damaged and becomes uninhabitable, loss of rent cover is designed to replace rental income during the period of reinstatement, subject to the policy terms and the indemnity period selected.

•Rental income replacement
•Alternative accommodation
•No-rental income periods
•Indemnity period options

Property by Type

A block of flats is not underwritten like a single let, and an HMO is not underwritten like either. Find the type of property you own below.

Why Choose TRS Property

Market Expertise

Deep knowledge of property market trends and emerging risks

Cover Built Around You

Tailored insurance solutions built around your property risks

Competitive Cover

We compare available options with your cover requirements and budget in mind

Speak to a Property Insurance Specialist

Let us help you build a property protection programme

Get Started Today