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Property Damage Insurance Products

Compare 560 products offered for Property Damage Insurance from 114 companies including Euna Underwriting Ltd, Vibe Syndicate Management Ltd, and Miller Insurance Services LLP.

Our Insurance Comparison Tool allows you to pick the Property Damage policy that's right for you by comparing every plan offered by Canada's leading insurance providers. Stuck? Our Frequently Asked Questions can help you learn more about this coverage area.

Compare Property Damage Insurance Policies

Products 1 to 10 of 560
Product name Max Coverage Min Premium Exclusions
International Property Delegated Authority by Chaucer plc Max Coverage N/A Min Premium N/A


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Shop and Restaurants by The New India Assurance Company Ltd Max Coverage GBP10M Min Premium N/A
  • dry cleaners
  • hairdressers
  • jewellers
  • tattoo and piercing
  • terrorism coverage in Northern Ireland
  • vacant or unoccupied risks


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Residential Property Owners by The New India Assurance Company Ltd Max Coverage GBP5M Min Premium N/A
  • terrorism coverage in Northern Ireland
  • vacant or unoccupied risks


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Hotels, Guest and Public Houses by The New India Assurance Company Ltd Max Coverage GBP10M Min Premium N/A
  • terrorism coverage in Northern Ireland
  • vacant or unoccupied risks


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Care Homes by The New India Assurance Company Ltd Max Coverage GBP5M Min Premium N/A
  • terrorism coverage in Northern Ireland
  • vacant or unoccupied risks


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Business Combined by The New India Assurance Company Ltd Max Coverage GBP5M Min Premium N/A
  • terrorism coverage in Northern Ireland
  • vacant or unoccupied risks


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Home Works by Plum Underwriting Ltd Max Coverage GBP2M Min Premium N/A


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Vitamins and Food Supplements by Markel UK Max Coverage GBP10M Min Premium N/A


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Research and Development by CFC Underwriting Ltd Max Coverage GBP10M Min Premium GBP275
  • animal testing
  • contraceptives or products used for reproductive use
  • genetic testing services


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Technology by CFC Underwriting Ltd Max Coverage GBP10M Min Premium GBP300
  • eWallets
  • health information exchanges
  • medical billing companies
  • prepaid debit or credit card provider
  • trade execution software developers


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Frequently Asked Questions

(click to expand)

What Is Property Damage Insurance?

Property Damage insurance provides coverage in case of accidental damage caused to buildings or property. As a type of Public Liability insurance, Property Damage mainly focuses on:

  • Physical injury to tangible property, including all resulting loss of use of that property
  • Loss of use of tangible property that is not physically injured

Insuring against Property Damage allows policyholders to be covered for repair and/or refurbishment costs. Typical examples of Property Damage include damage done to vehicles, public property, private homes, businesses and individuals.

Who Needs Property Damage Insurance?

Accidents can happen to anyone at anytime. However some activities are deemed more of a risk than others. This means that whilst anyone can be the cause of Property Damage, there are several types of client who are traditionally recommended to include it in their insurance coverage. They are:

  • Business owners
  • Property owners
  • Vehicle owners
  • Contractors

What Does Property Damage Insurance Cover?

Property Damage insurance typically covers any of the following:

  • Repairs for damage to buildings
  • Loss of income due to business closure
  • Damage/collision with another vehicle
  • Damage/collision with another person’s property or building
  • Legal expenses (if legal counsel is needed as a result of damages caused)

What Is Not Included In Property Damage Insurance?

While Property Damage insurance is primarily concerned with physical and material loss or damage to property, there are several types of causes of damage excluded from most insurance policies:

  • Deliberate or intentional acts of vandalism
  • Damage caused by acts of war or terrorism
  • Damage caused by radioactive materials
  • Damage caused by a natural disaster
  • Collisions caused by a driver under the influence of drugs or alcohol

How Is Property Damage Insurance Sold?

Property Damage cover is usually sold as part of one of the following comprehensive types of insurance policy:
  • Auto Physical Damage
  • Builders Risk
  • Commercial General Liability
  • Environmental Liability
  • Public Liability

How Much Does Property Damage Insurance Cost?

Property Damage cover is not generally available as a standalone product but as part of a general Liability program. It will either be included in the price of an overall policy or available as an add-on or extension.

However it can be purchased as either one of the following:

  • A combined single limit policy (a payment limit per accident)
  • A split limit policy (an overall limit to cover all accidents)

The overall cost of liability coverage will vary considerably depending on the age of size of the business, location, claims history and any other factors. If there has been a previous claim then the cost of the premium will increase.