Limited Company Landlord Insurance
Property held in a company is insured in the company's name. Getting the policyholder wrong is the mistake that surfaces at claim stage.
Reviewed by the Landlord Quote editorial team · Last updated 14 September 2026
In short
- The policyholder should be the legal owner — the company, not the director personally.
- Most landlord and HMO insurers write company-owned property as standard.
- Lenders will want their interest noted on the policy.
- Companies with employees need employers' liability by law.
- Directors' and officers' cover is worth considering for property companies.
Can a limited company take out landlord insurance?
Yes. Where the property is owned by a company or SPV, the policy should be issued in the company's name as the insured, matching the owner shown on the Land Registry title.
Insurable interest is the reason this matters. If the company owns the building but the policy names a director personally, the person who suffers the financial loss is not the person insured, and the claim becomes unnecessarily difficult.
Most mainstream landlord insurers and effectively all specialist property owners' insurers accept limited company ownership. It is a routine arrangement, not a niche one.
Things to consider
- Use the exact registered company name and number.
- Where several SPVs hold properties, each policy should name the correct owning entity.
- Tell the insurer if ownership transfers between group companies.
Read next: What landlord insurance covers
Is insurance more expensive for company-owned property?
Ownership structure itself is not a major rating factor. Premiums are driven by the property, the occupancy and the claims history, and Landlord Quote does not quote prices — a specialist broker prices the individual risk.
Where company-owned portfolios do price differently, it is usually because they are larger, contain more HMOs or flats, or are placed as a single portfolio policy rather than as individual lets.
Read next: Portfolio landlord insurance guide
What other cover should a property company consider?
Employers' liability where the company employs anyone, directors' and officers' cover for the people running it, and legal expenses cover for tenancy and contract disputes.
Employers' liability is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 where employees exist. Genuine contractors with their own public liability do not trigger it.
Directors' and officers' cover protects the individuals from claims relating to how the company was managed — relevant for property companies with outside investors or multiple shareholders.
Read next: Directors' cover for management companies
Beyond Leads Ltd T/A Landlord Quote (FCA FRN 940006) is an FCA authorised lead generation business. We do not provide insurance advice, recommend policies, arrange cover or quote premiums. This page is general information only. If your enquiry is matched, your details are shared with an FCA authorised specialist broker who will discuss cover and pricing with you directly.