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Canopius Landlords Insurance


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  • Save up to 30% on your renewal premium
  • Many tenant types acceptable
  • Greatest buy to let deals available
  • Up to 20K free contents cover available
  • 25% multi building discount available
  • Up to 13 weeks cover for vacant properties

Canopius landlords insurance

Canopius is a global specialty (re)insurer with underwriting operations in the UK, Netherlands, Switzerland, Bermuda, US and Singapore. It underwrites through Lloyd’s Syndicate 4444 (managed by Canopius Managing Agents Limited) and a US surplus lines insurer, Canopius US Insurance, Inc. 

Arranging your landlords insurance with Canopius has the backing of a major global insurance operator, Lloyd´s of London.

So why do I need specialist landlord cover?

All insurance business is about the assessment of risk. If you want financial protection for your buy to let business, therefore, your insurer has a keen interest not only in the value of your property, but just as crucially, in the use to which that property is being put.

At its simplest, the risks and perils to which any let property is exposed are quite different to those faced by one that is owner occupied. Specialist landlord cover, therefore, is needed whenever you let your property to tenants.

In the specific instance of your interest in buy to let insurance underwritten by Canopius, you might want to use our quote and buy service.

What does it cover?

Because it is a specialist form of insurance, cover designed to protect landlords’ property may vary from one insurer to another and also to adapt to the particular needs and circumstances of individual landlords.

Nevertheless, it is possible to identify a few of the core components invariably incorporated into the typical buy to let insurance policy:

First and foremost is the protection of the building itself and safeguards against such risks as fire, flooding, escape of water from domestic appliances, theft, and collision by vehicles or animals, falling trees, falling aerials or satellite dishes, damage to underground services and accidental damage to fixed glass and sanitary fittings.

Cover for your own contents and other possessions left in the property (since your tenants are responsible for insuring their own possessions);

Depending on the policy, there might be included – as a standard feature or as an option extra –cover for such items as replacement locks in the event that keys are lost or stolen, loss of rent or the provision of alternative accommodation if the property becomes unlettable following an insured incident and cover for landlord's legal liabilities.

Why choose a Canopius landlord insurance policy?

Canopius offers a number of different policies suitable for the owners of residential let property, but some of the key features common to them all might not be included in such cover from other insurers.

The risk of subsidence, for instance, is included in the building covered offered – a risk that may not be covered in other forms of property insurance.

Indemnity for property owner’s liability is typically included at a standard maximum of £2 million – indemnity for employer’s liability is available as a separate policy.

Compensation for loss of rental income following an insured incident is currently paid up to a maximum of 20% of the total sum insured under buildings cover.

Cover is provided whatever type of tenant is occupying your let property – from employed, professional tenants, to students, benefits claimants or asylum seekers, although different rates of excess may apply according to the type of tenant.