Property Owners Insurance

Specialist property owners insurance for brokers placing commercial and residential risks

Dolmen Underwriting provides access to a specialist Property Owners insurance solution designed for brokers placing both commercial and residential investment property risks. The product supports a wide range of property types, including multi-unit buildings, mixed-use developments, and properties that may be temporarily unoccupied or undergoing refurbishment.

With access to multiple insurers and in-house binding authority, Dolmen Underwriting offers brokers flexible placement options for both straightforward and more complex property owner risks.

Who this product is designed for

The Property Owners scheme is designed for brokers arranging insurance for clients who own and rent out property.

Typical placements include:

Commercial property owners
Residential buy-to-let landlords (including portfolios)
Mixed-use developments (residential and commercial combined)
Apartment blocks and multi-unit properties
Shopping centres and high street retail units
Industrial estates and business parks
Holiday home developments and blocks of units
Listed or older properties, including pre-1963 construction

The product is suitable for both standard and more complex property risks, including those requiring a flexible underwriting approach.

What the policy covers

The Property Owners product is designed to provide protection for both physical assets and liability exposures associated with owned and rented property.

Cover typically includes:

Buildings insurance for owned properties
Property owners’ liability protection
Optional cover for loss of rent following insured damage
Cover for common areas in multi-unit developments
Flexible underwriting for properties undergoing renovation or temporarily unoccupied

Each risk is assessed individually, allowing brokers to structure cover based on the specific property profile.

Property types and risk appetite

Dolmen Underwriting can consider a broad range of property types, including more complex or niche risks.

These include:

Industrial estates and business parks (property and liability)
High street retail units and commercial premises
Pre-1963 and older construction properties
Listed and heritage buildings
Mixed-use developments with residential and commercial occupancy
Residential portfolios and buy-to-let properties
Apartment blocks and multi-unit dwellings
Holiday home developments and leisure properties

This broad appetite allows brokers to place risks that may fall outside standard insurer criteria.

Flexible underwriting approach

The Property Owners scheme is designed to support brokers with a practical and flexible underwriting process.

Risks can be submitted via:

Broker email submission
Completion of a proposal form
Direct engagement with the underwriting team

Key underwriting considerations typically include:

Construction type and condition of the property
Occupancy and tenant profile
Exposure to flood, subsidence, or other hazards
Security protections and risk management measures
Claims history and previous insurance

Each case is reviewed individually, allowing Dolmen Underwriting to provide tailored solutions for a wide range of property risks.

Important Documents

To request a quotation or place a risk, brokers can complete the proposal form or contact the underwriting team directly.

Property Owners Insurance Proposal Form

The Proposal Form provides the key risk and underwriting details required, helping brokers submit Property Owners insurance enquiries and obtain terms from our underwriting team.

These documents allow the underwriting team to assess each risk accurately and provide appropriate terms.

Frequently Asked Questions

What types of properties can be covered?
The scheme can accommodate commercial, residential, and mixed-use properties, including multi-unit developments, portfolios, and specialist or non-standard risks.

Can unoccupied or renovation risks be considered?
Yes, properties that are temporarily unoccupied or undergoing refurbishment can be considered, subject to underwriting.

How are risks submitted?
Brokers can submit risks via proposal form or email, with each case reviewed individually to provide tailored terms.

Is cover available for mixed-use properties?
Yes, properties combining residential and commercial use can be considered under this scheme.

Why brokers place business with Dolmen Property Owners

Dolmen Underwriting offers brokers a strong proposition when placing property owners risks, particularly where flexibility is required.

Key benefits include:

Access to multiple insurers and underwriting capacity
Ability to consider both standard and non-standard property risks
Support for mixed-use and multi-unit developments
Flexible underwriting for unoccupied or refurbishment risks
Competitive commission structure
Direct access to experienced underwriting support

The scheme is designed to help brokers place complex or specialist property risks efficiently and with confidence.

Specialist Underwriting Support

Work directly with experienced underwriters who understand complex risks and provide practical solutions for brokers.

Flexible Product Solutions

Access a growing portfolio of specialist insurance products designed to help brokers place non-standard and niche risks.

Trusted Industry Experience

Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.

Affordable Home Insurance That Doesn’t Cut Corners

Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.

We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.