Insurance for your property, portfolio and the people behind it
Through KPA’s partnership with Insurance-Desk, you can discuss insurance for your rental properties, property portfolio, business and personal protection needs.
Specialist Insurers
Tailored for BTL, HMOs & Commercial portfolios
Combined Protection
Life, Critical Illness & Key Person protection
Fast Turnaround
Dedicated property broking support
How KPA Property Management & Insurance-Desk Work Together
KPA Property Management is dedicated to helping landlords, property investors and property companies manage and safeguard their property assets.
Through this partnership, KPA Property Ltd introduces clients to Insurance-Desk, who handle the insurance advice and arrangements. Insurance-Desk’s specialist brokers assess your specific requirements, explain policy options, and arrange tailored cover.
Whether you require cover for single buy-to-lets, HMOs, mixed-use commercial buildings, or essential life and business loan protection, this service brings property investors direct access to specialist UK insurers.
Introduced by KPA
Arranged & handled by Insurance-Desk
- Specialist Property Expertise: Direct access to insurers that understand HMO licensing, tenant covenants, and SPV structures.
- Consolidated Schedules: Single renewal dates and multi-property portfolio management.
- Holistic Protection: Rent Guarantee, Landlord Legal, Public Liability, and Director D&O under one roof.
Property Insurance Options
Select any options below to discuss with Insurance-Desk brokers. Options shown are available to evaluate for your portfolio.
Most PopularBuy-to-Let / Landlord Insurance
Essential cover for single or multiple rental homes
Protection for your rental properties covering buildings, fixtures, landlord contents, property owner liability and loss of rent following an insured event.
Portfolio SaverProperty Portfolio Insurance
Multiple units on a single, streamlined schedule
Combine residential and commercial units under one unified policy with a common renewal date, simplified administration and consolidated portfolio terms.
HMO Insurance
Specialist risk cover for shared student & professional lets
Tailored protection for licensed and multi-occupancy properties accommodating sharers, students or professionals with higher liability and fire security requirements.
Rent Guarantee Insurance
Safeguard your rental cash flow if tenants default
Options to protect rental cash flow when tenants fall into arrears, helping protect yield and cover mortgage servicing while eviction or mediation takes place.
Landlord Legal Expenses
Professional support for evictions and dispute resolution
Legal representation and court expense cover for breach of tenancy agreements, squatter evictions, property damage disputes and legal notices.
Commercial Property / Mixed-Use
Shops, offices, industrial units and upper-floor flats
Custom wording for commercial buildings, high street retail with residential upper floors, multi-tenant industrial blocks and commercial freehold investments.
Blocks of Flats Insurance
Freeholder, RTM & Residents' Management Company policies
Comprehensive building insurance for purpose-built and converted residential blocks, communal parts liability, lift engineering inspection and directors liability.
Unoccupied Property Insurance
Vacant buildings during sale, probate or transition
Specialist short or long-term cover for empty properties between lets, awaiting probate resolution, or pending tenancy commencement.
Renovation / Development / Contract Works
Extensions, refurbishments and conversion projects
Site insurance, existing structures, contract works and liability cover while undergoing refurbishment, structural alterations or conversion.
Important Disclaimer: All property insurance options are presented as products to discuss with an Insurance-Desk broker. Submitting an enquiry does not guarantee rent payments, acceptance, policy savings, claims outcomes or that every policy includes every listed benefit. Cover is subject to written policy terms and underwriter approval.
Business Insurance Options
Essential liability and corporate governance protection for property businesses, SPVs, and management companies.
Business / Commercial Insurance
Tailored commercial packages for property firms
Comprehensive risk protection covering property holding SPVs, property management businesses, serviced accommodation operators and corporate landlords.
Public / Employers' Liability
Protection against third-party injuries and staff claims
Essential cover protecting your business and property operations against bodily injury or property damage claims brought by visitors, contractors or staff.
Professional Indemnity
Defend against claims of advice error or omission
Protection for property consultancies, deal sourcers and project managers against claims of professional negligence, incorrect advice or design failure.
Key for SPVsDirectors' & Officers' Liability (D&O)
Protect personal assets of SPV and company directors
Crucial safeguard for Limited Company owners, SPV directors and RMC officers protecting personal wealth against claims of alleged mismanagement or breach of duty.
Life & Protection Options
Safeguard your family, mortgage commitments, and business co-owners against unexpected health events.
Life Insurance
Financial stability for your loved ones & estate
Lump sum cover designed to help repay mortgages, settle liabilities, support dependents or preserve property portfolios for beneficiaries.
Critical Illness Cover
Lump-sum support upon diagnosis of serious condition
Financial assistance if diagnosed with a specified serious medical condition, helping manage personal debts, treatment or adaptation costs.
Income Protection
Monthly earnings replacement when unable to work
Regular replacement income if unable to work due to accident or prolonged illness, ensuring commitments and mortgage dues stay current.
Mortgage Protection
Align cover with your property repayment liabilities
Decreasing or level term policies structured to pay off buy-to-let or residential mortgages in the event of death or severe illness.
Family Income Benefit
Regular ongoing payments rather than a lump sum
Provides regular monthly or quarterly payouts to your family if you pass away, mirroring steady family income to meet household running costs.
Company PaidRelevant Life Cover
Tax-efficient death-in-service for limited company directors
A company-paid life insurance arrangement for directors and key employees that is typically treated as an allowable business expense.
Key Person Protection
Preserve business liquidity if a pivotal person is lost
Compensates the business for financial disruption, recruitment overheads or lost revenue if an indispensable director or specialist is unable to work.
Shareholder / Partnership Protection
Funds to buy back equity from deceased partners' estates
Ensures remaining business partners retain full control by providing the funds needed to purchase shares back from a deceased co-owner's estate.
Business Loan Protection
Clear corporate debts, bridging facilities or overdrafts
Provides ringfenced funds to clear business mortgages, bridging loans, director loan accounts or overdraft guarantees upon death or critical illness.
Other Protection / Not Sure
Discuss your bespoke personal or business needs
Speak with a specialist adviser to assess your exact portfolio structure and find tailored solutions for unlisted risks.
Book a free protection review with our specialists
Prefer to talk it through? Book a free, no-obligation protection review with our protection specialists and we'll help you find the right cover for you, your family and your business.
How The Enquiry Process Works
Three straightforward steps to review your property and protection insurance options.
Tell us what you need
Select your required products across property, business or protection using our single enquiry form below.
Insurance-Desk Contacts You
A specialist Insurance-Desk adviser contacts you promptly to review your property portfolio or protection needs.
Discuss Available Options
Review tailored insurance options, policy schedules and decide on the next steps with no obligation.
Why Landlords & Investors Choose Insurance-Desk
Insurance-Desk understands property because they work with landlords, investors, developers and property professionals every day.
Specialist Advice
Direct access to specialist insurers that understand complex property risks, HMO licensing, and portfolio setups.
Competitive Premiums
Competitive solutions whether you own a single buy-to-let property or a multi-million pound portfolio.
Claims Support
A dedicated claims handling team to fight your corner when the unexpected occurs.
Fast Turnaround
Quotes delivered quickly so you don't lose out when property investment opportunities arise.
Flexible Cover
Custom protection structures for SPVs, Limited Companies, trusts, and professional landlords.
Start Your Insurance Enquiry
Ensure you're fully covered with insurance tailored to your property, portfolio and protection needs.