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What does commercial property owners' insurance cover?
We like to make life easier, by insuring your portfolio in one place you'll get one renewal date, one reference number, one price and only one company to deal with. Not only that, but it's likely to be cheaper for you too. Call our specialist commercial property insurance team to discuss your options and we'll do the leg work for you.
Liability insurance for commercial property is to compensate third parties in respect to property damage or injury through negligence related to the property and is included on all of the policies we provide. Just let us know how much cover you need.
If you experience a fire at the property it may become uninhabitable while repairs are carried out. So you're not losing out on rent, or if you need to cover the cost of alternative premises, we reimburse you for the amount you would have earned from your occupants during this time. The cover can be tailored for rebuild periods up to 36 months, so you can select a timescale suited to your properties.
Our policies will provide cover for standard perils fire, flood, escape of water, storm, accidental damage and break ins. But if you need more from you insurance we can help too. Having a panel of insurers at our finger tips means we can insure more unusual buildings like non-standard or unoccupied properties, and cover different risks like terrorism. Just ask the team for more information.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
In the event of a claim please call the telephone number on your policy documents to speak with your insurer. They will talk you through your claim and help guide you through your next steps in the process.
You can also contact the commercial property owners claims support team at Towergate. If you feel you need additional support, or if you have concerns about the progression of your claim, our in house team are always on hand to help.
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In the event of a severe fire loss your property would be not be capable of being occupied by a tenant and you may suffer a loss of rental income until such time as the property has been fully repaired. How long will this take? All buildings are different and you must take into account the location , type and construction of the property. Specialist properties, grade 1 and 2 can take longer to build by their specialist nature. Also you need to consider the unknown – such as design, planning application and access delays – even allow for bad weather causing building delay. Its best to err on the side of caution and consider a minimum of 24 months and longer.
Yes we are able to cover unoccupied properties up to 30 days on a standard package for fire, lightening, earthquake and aircraft. Longer periods be arranged with some of our specialist insurers.
Yes, we are able to offer cover for listed buildings.
It depends; if buildings cover is included, the structure of the flat would be too. With buildings cover this would include property owner’s liability, so slips and trips related to the building as a whole can be covered. It is down to the tenant of the flat above to arrange cover for their own goods/contents. For more information just talk through your circumstance with the team and they will aim to source the cover that fits.
The premiums are generally refunded on a pro rata basis if you need to cancel. Therefore if you have paid in full for the year then you would be entitled to a return of premium (minus commission and fee). Likewise, if you are on a direct debit there will either be an outstanding balance to pay or a return due back to you depending on way your payments fall in the month. Most Insurers are unlikely to allow a refund where a claim(s) have been made in the current year.
Commercial insurance works slightly differently to an individual’s insurance policy, please be aware there is no cooling off period in commercial insurance.
Yes, we give our clients the option of posting or emailing documents to you. Just let us know when you set up your policy or call us at any time and we will resend them.
This depends on the policy you have chosen. We act as brokers and have several schemes with different insurers. You may receive quotes from a few different insurers depending on the cover you request as we will seek policies from our preferred panel of insurers. To check who you’re covered with just check your policy documents.
It varies dependant on each individual risk. On average we can provide a quotation within 20 minutes. For more specialist insurance we generally ask for a couple of hours so that we can go out to the market and find you a range of competitive quotes to choose from.
You can pay in multiple ways, in full or direct debit. Payment in full can be done via BACS transfer, Cheque or debit or credit card. All major cards are accepted except American Express.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.