PIUA's preferred type and size of Property Owner Risks

Occupied Property Owners

For PIUA Blocks of Flats, Commercial Premises, Mixed Portfolio or Residential Let, the following sections are included as standard:

Property Damage/Buildings
Loss of Rental income
Landlords Contents
Public Liability

Optional covers available would include:

Employers Liability
Commercial Legal Expenses

PIUA are keen to assist with your standard construction UK-based Property Owners risks with particular preference for the following:

Houses/Residential Let: The preferred maximum sum insured for buildings would be £1,000,000 at any one location. For contents the maximum would be £30,000 at any one location.
Blocks of Flats: The preferred maximum combined sum insured for buildings and loss of rental income would be £2,500,000 including any day one uplift.
Commercial Premises: The preferred maximum combined sum insured for buildings and loss of rental income would be £4,500,000 including any Day One uplift.

Unfortunately we would struggle to assist with risks of the following nature:

- Any premises with flats forming part of buildings being let to DWP referrals, council referrals, students or other government sponsored lets. NB Tenants claiming Housing Benefits are acceptable as long as the tenancy agreement is direct with them and the Insured
- Premises roofed fully or partially with thatch
- Individual flats within a block or tenement
- Student halls of residence or blocks of flats where tenancy is more then 50% student accommodation - Housing Associations (We're happy to look at Management Committee and Management Companies)
- Property Developers
- Unoccupied public houses/licensed premises, nightclubs, places of worship, religious/educational establishments, derelict or demolished/planned to be demolished
- Bedsits

Unoccupied Property Owners

We have a very popular product for unoccupied Residential & Commercial Property Owners with optional increments of cover starting at FLEA only with the ability to add:

Loss of Rent
Wider Perils or Extended Perils
Subsidence and/or Accidental Damage
Property Owners liability

Unoccupied Declines: These include Places of Worship, Religious/Education Establishments, Public Houses, Nightclubs, Licensed Premises, Thatched, derelict or planned to be demolished

Competitive Premiums, Comprehensive Cover, Commission (Starting at 20%)

A+ A A-

Businesses Covered

xx  Combined Insurance can cover a wide range of business types, some of those risks recently secured by CIUA would include:


Light Manufacturing xxxxxx


Micro-Breweries, Agricultural Equipment, Catering Equipment, Clothing, Confectionary, Electronic Equipment, Metal, Furniture, Metal Machine Tools, Monumental Masons, Nuts & Bolts, Office Equipment, Printers, Sand & Gravel Merchants.




Amusement Arcades, Bingo Halls, Bowling Alleys, Gyms, Health & Fitness Clubs, Snooker Halls, Theatres.




Bakeries, Florists, Garden Centres, Grocery Shops, Shoe Shops.


Wholesale & Distribution


Catering Goods, China & Glass, Confectionary, Sporting Equipment Suppliers & Wholesalers, Warehouse Risks.

For Hospitality or Commercial Insurance visit:


PIUA is a trading style of The Insurance Underwriting Agencies Limited, authorised and regulated by the Financial Conduct Authority. Copyright PIUA 2014
This website is for authorised Intermediaries only.



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