Casualty - Property Owners
- Property Owners Liability
- Property owners
Product Overview
Casualty - Property Owners by Agile Underwriting Services is a liability solution built around the realities of owning property. It helps protect property owners from legal claims for personal injury, property damage or advertising issues linked to their premises or activities.
The wording can also be tailored to handle contractor and subcontractor liability, waivers, hold harmless clauses and principal indemnity. This flexibility helps brokers handle contracts where owners share work or risk with other parties on site.
About Casualty - Property Owners by Agile Underwriting Services
Cover is based on Agile’s casualty wording, with standard extras like property in care, custody or control automatically included. Benefits such as claims preparation costs, overseas personal liability and support for drone use add value for varied property portfolios.
Limits of $5m, $10m or $20m give room to match cover to different ownership structures and risk appetites. Deductibles start from $500, with premiums from $275, so brokers can scale programs for smaller or larger clients.
Casualty - Property Owners by Agile Underwriting Services sits on a digital platform built for quick quoting, binding and renewals. Brokers can use the product contact on this page, like the ‘Contact Underwriter for Quote’ option, the Agile casualty quote form and linked factsheet to explore options further.
Casualty - Property Owners by Agile Underwriting Services FAQs
What is casualty cover for property owners?
Casualty cover for property owners is liability insurance that responds when third parties allege injury or property damage. It applies when the claim links to the owner’s business activities, premises or products, rather than to unrelated events.
For this product, the wording provides Public and Products Liability tailored to property owners. Casualty - Property Owners by Agile Underwriting Services uses that approach to address everyday and specialised ownership exposures.
What types of risks does Casualty - Property Owners by Agile Underwriting Services focus on?
This product focuses on legal liability that arises from owning or managing property. Key exposures include personal injury, third‑party property damage and certain advertising liability connected with the insured’s operations.
The standard wording also includes property in care, custody or control, overseas personal liability and claims preparation costs. Agile can review extensions for contractors, subcontractors, waivers and principal indemnity when those needs arise.
Is cover available for property owners who use drones for inspections or marketing their sites?
The Agile casualty wording used for Casualty - Property Owners by Agile Underwriting Services includes cover for drones or drone operators for eligible risks. This can help when owners use drones for activities such as roof inspections, site checks or promotional footage.
Brokers can confirm suitability by sharing details of how drones are used at the quoting stage. That discussion helps the casualty team align the property owner’s operations with the existing drone allowance.
Can Casualty - Property Owners by Agile Underwriting Services consider liability exposures from short‑term or holiday rentals within a property portfolio?
Agile writes casualty cover for property owners as one of many occupation groups. They also highlight a focus on tailoring products to individual customer requirements, including more complex or unusual risks.
Short‑term or holiday rental activity is not listed separately, so treatment will depend on the specific situation and underwriting review. Brokers can raise these details early so the casualty team can assess whether the product fits that style of occupancy.
How are limits chosen for property owners with different contractual requirements or lease agreements?
Available liability limits for this wording are $5m, $10m and $20m. Brokers can select a limit within this range that suits their client’s needs.
This product sits under the Property Insurance line of business. Brokers who want wider context on property‑related covers can also review the general property insurance guide here.
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