Life Insurance & Business Protection for Landlords
Caspian Insurance – Specialist Protection Advisers for Landlords
The British Landlords Association is committed to helping landlords access products and services from specialist providers. As part of this commitment, we have partnered with Caspian Insurance, giving BLA members access to specialist protection advice.
Caspian works with landlords, property investors and business owners across the UK, arranging life insurance, business protection and inheritance tax planning cover with leading UK insurers, tailored to the way modern landlords own and manage their portfolios.
Get a Free, No-Obligation Quote
Explore life insurance and business protection options with Caspian's specialist advisers.
Get a Free QuoteWhy Caspian Is a BLA Partner
The rules affecting landlords have changed significantly. Changes to tenancy law, the end of Section 21 in England and frozen tax thresholds mean that the death or serious illness of a landlord can create significant financial and practical issues for a family or property business.
Caspian provides specialist protection services relevant to landlords, including:
- Understanding of landlord and property company structures
- Advice covering personal, portfolio and limited company protection
- Access to leading UK insurers
- Cover arranged in trust where appropriate
- Personal advice from qualified protection advisers
Protecting Your Family Against Inheritance Tax
Inheritance tax can create significant financial pressures for property-owning families, particularly where an estate includes properties that cannot readily be sold.
Depending upon individual circumstances, Caspian can provide advice concerning:
- Whole of life insurance written in trust to help fund inheritance tax liabilities
- Joint life second death policies for landlord couples
- Cover relating to lifetime gifts and the seven-year inheritance tax rules
- Reviews of existing policies, including whether appropriate policies should be written in trust
Where suitable arrangements are put in place, insurance proceeds may provide funds to help meet liabilities without requiring properties to be placed on the market immediately.
Protection for Limited Company Landlords
Many landlords now hold property through limited companies. Caspian can advise directors on protection arrangements including:
Relevant Life Plans
Relevant life plans paid for by the company, subject to eligibility and applicable tax rules.
Key Person Insurance
Insurance designed to help protect a business following the death or serious illness of a key individual, depending on the cover selected.
Business Loan Protection
Protection arrangements where company borrowing or personal guarantees are in place.
Shareholder Protection
Protection arrangements for family and multi-director property companies.
Depending upon individual circumstances, these arrangements can help protect the financial position and continuity of a property business.
Protection Solutions for Different Types of Landlord
Caspian provides protection advice for:
- Individual buy-to-let landlords
- Portfolio landlords
- Limited company and SPV landlords
- HMO and commercial property owners
- Landlord couples and family property businesses
Dedicated Advice and Personal Service
Caspian provides access to advisers who understand property ownership structures and the protection requirements that landlords and property businesses may need to consider.
BLA members can access:
- A free, no-obligation protection review
- Advice tailored to individual circumstances and ownership structures
- Explanations of available cover, trusts, terms and costs before making a decision
- Reviews as portfolios and circumstances change
Arrange Your Free Protection Review
Contact Caspian to discuss your personal or business protection requirements. Please inform Caspian that you are a British Landlords Association member so that any applicable member benefit can be identified.
Arrange a Free Protection ReviewSupporting British Landlords Association Members
The British Landlords Association works with selected service providers whose services may be relevant to residential and commercial landlords.
Our partnership with Caspian provides BLA members with access to a specialist provider of life insurance and business protection advice.
The BLA does not recommend any particular insurance or protection product, and members remain responsible for deciding whether to seek advice and whether any product is suitable for their individual circumstances.
Important Information
The British Landlords Association does not provide insurance, financial or tax advice and does not make recommendations concerning insurance or protection products, policy suitability, levels of cover, pricing, tax treatment or risk.
All enquiries concerning protection products and services should be directed to Caspian. Members should confirm Caspian's current regulatory status and the regulatory status of the adviser providing the relevant service before proceeding.
Information on this page is provided for general information only and should not be relied upon as insurance, financial, tax, legal or other professional advice. Products, terms, tax treatment, eligibility and availability may change.
Members should independently consider the information provided and establish the suitability of any product with Caspian or another appropriately authorised adviser before making a decision.
The British Landlords Association accepts no responsibility or liability for decisions made by members concerning insurance or protection products or for the suitability or performance of any product or service supplied by a third-party provider, to the extent permitted by law.