The Business Insurance Bureau

Landlords: Where do we go from here?

Rebuilding the relationship between property owners, insurance and risk management.

Landlords: Where do we go from here?

A faulty fridge-freezer caused the Nation’s greatest property tragedy in living memory, now we can only learn lessons…

Occasionally, there comes a defining event that is so catastrophic, it is embedded in the consciousness of the nation and upon which everything turns.

A faulty fridge-freezer produced the nation’s greatest property tragedy in living memory.

Perception:Landlords grow rich in their sleep” John Stuart Mill (1848)

Reality:The criminal investigation into the Grenfell Tower disaster may consider individual as well as corporate manslaughter charges, Scotland Yard has said.”                                                                                                                    

The Guardian (2017)

The perception around being a landlord hasn’t changed much in the last 170 years, but the reality looks very different due to:

  • Buy to let funding clampdown
  • Increasing Health and Safety compliance burden
  • ‘Generation rent’ movement for long term leases
  • Retail collapse affecting viability of commercial sector

Sometimes it’s hard to be a landlord…

But it could be manslaughter if you’re not property compliant and properly insured. Simply obtaining cheap, fast insurance will no longer do the job. Now, in the commercial sector, the fire risk assessment (FRA) legislation makes everyone who has an interest in the building collectively responsible for fire outcomes, among other legal responsibilities…

Far from growing rich in your sleep, you could be up all night thinking about these too:

Fixed wire fire alarms • Heat detectors • Fixed wire carbon monoxide alarms • PAT tests • Fixed wire circuit tests • Energy performance certificates (EPC) • Annual gas inspections • Legionella risk assessments • Fire risk assessments • and more is on the way…

Not to add to those sleepless nights, but if you’re not up to date with all of the above you can expect everything from ‘a hard time’ to ‘doing time’ for manslaughter.

The mood around insuring property that is ‘To Let’ has changed too, right across the domestic and commercial sectors.

There are four GREAT INDISPUTABLY UGLY TRUTHS about business insurance

We can help ease some of your biggest headaches! But before we do, let’s see how the four ugly truths about business insurance add to that list….

1.   Insurance companies dispute 50%*of all large claims from businesses.

2.  They do this for two reasons:

     a. breach of policy conditions (which you’ve never read or remembered)

     b. inadequate information disclosure (like if you forgot to tell them about the live entertainment)

3.   It takes on average three years to resolve a large disputed insurance claimǂ (if you can resolve it). Meanwhile, without cash flow, your business goes into administration.

4.  This is why 43%* of all businesses experiencing a disaster never recover – not because they have experienced a disaster, but because their insurance is a disaster!

0 %

large claims disputed


reasons this happens


years to resolve

0 %

businesses never recover

Let's make it cheaper, by doing it right

So what's the answer to all of this?

We can underwrite in areas traditionally thought difficult to accommodate like:

  • Commercial and industrial property
  • Shops and Offices
  • Multi-tenure properties
  • Holiday accommodation including self-catering
  • Former council properties (including tenants in receipt of housing benefit and other state benefits)
  • Students
Property Insurance the business insurance bureau

At the Business Insurance Bureau, we know that it’s not about how cheap you make it, but how you make it cheaper.

Bob the Broker’s business philosophy is called: Making it cheaper, by doing it right™

There is only one legitimate way to make your insurance cheaper: cutting down claims by controlling the risk.

That takes partnership, relationships, service commitment, expertise and ‘going the extra mile’.

No one else will provide this – a Risk Management Rebate Voucher worth up to £500.00† towards the cost of:

  • Cleaning Kitchen Extract Systems 
  • Fixed Electrical Testing 
  • PAT Testing 
  • Fire Risk Assessment 
  • Health & Safety Compliance 
  • Security Compliance 
  • ISO Accreditation 
  • and other risk improvement 

How does it work?

We give you a rebate every single year, per location that you renew on our unique facility and get the risk improvements completed and verified.
Tailor the policy conditions around your routines, not your routines around the policy conditions.

Run a reminder service to help make sure you don’t miss compliance and policy dates.

Provide a claims and risk management co-ordination, so you can concentrate on your business.

The small print...

†Terms and conditions apply. Rebates are calculated based off your final premium amount and on receipt of legitimate certification that the work has been carried out. The £500 figure is based on a sample of 101 clients who received a rebate between 2016-2017.

*sources: business continuity institute/london chamber of commerce and industry ǂ July 2014 MacTavish

Bob the Broker

Let's make it cheaper, by doing it right

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Who are The Business Insurance Bureau?​

The Business Insurance Bureau is a niche specialist underwriter and commercial insurance broker, defying conventional categorisation, comprising of a small number of gifted individuals forming a collective intellectual giant.

We have developed our own unique range of quality insurance products, which has given the business a competitive advantage in several areas. Being in control of the entire process, from enquiry to policy issue, has allowed our business to deliver service levels hitherto unimaginable in this sector, or indeed for a business of its physical size.

We insure a spectacularly diverse clientele, similarly exclusive and excellent in their field, who rely on The Business Insurance Bureau to protect their assets, minimise their liabilities and secure their future.


Here's what our clients say about us


Roll up, roll up! Read all about it...

The Business Insurance Bureau is famous for it’s simplification of the complex world of insurance. With corporate jargon galore, we believe that in order to run your business with peace of mind, you need simplistic and entertaining material when it comes the ‘boring but important’ things like business insurance. In order to help you along the way we have created many colourful and cheery leaflets to help you understand what risks your business can face and how we can help you reduce them.