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New idea, haven't checked it out yet, but... income protection insurance. They extend policies to cover rent default, just need to ensure they also cover commercial (somehow doubt it, but worth a try).

I tried to get this CGU Padlock insurance, but it was a fruitless. CGU say only their brokers do it and of course their brokers don't know anything about it. They say it Padlock exists, but are not well-versed on the "landlord insurance" part of it. What the broker recommended was trade...