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Commercial Property Owners Insurance

Cover for a range of commercial properties from our trusted network of leading insurers.

  • Cover just one commercial property or a whole portfolio all under one policy
  • Our fire and theft cover protects your commercial property and business
  • Unoccupied, non-standard, residential and mixed-use buildings can also be covered

Start your commercial property insurance quote online:

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Or call us to speak to an adviser:

0344 892 1664
0344 892 1664

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What does commercial property owners insurance cover?

Cover your property portfolio in one policy

We like to make life easier. By insuring your property 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.

Property owners' liability insurance

Property owners’ liability insurance provides protection for claims made against you in respect of damage to third-party property or injury to third-party persons, as a result of negligence relating to the property you are responsible for. It is possible to include on all the policies we provide – just let us know the limit of cover you need.

Loss of rent

If you experience an insured loss at the property, it may become uninhabitable while repairs are carried out. To protect you from losing out on rent, or if you need to cover the cost of alternative premises for your tenant, this cover will reimburse you for the amount you would have earned from your tenants during the interruption period. The period of cover can be tailored to suit the nature of your property, up to 36 months.

Commercial fire and theft insurance

A comprehensive commercial property owners package will protect your business and its premises through a combination of property damage and liability insurances. It can be made up of covers including buildings, landlord’s contents, loss of rent, property owner and employers' liability insurances. Commercial fire and theft insurance perils are included, which provides protection against fire, electrical fire, arson and break-ins.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Commercial Property Owners Insurance Claims

In the event of a claim, please give us a call and we will talk through your claim and help guide you through your next steps in the process.

01883 339 300

Commercial Property Owners Insurance Articles & Guides

Read more about landlords and commercial property:

Landlord Stress And How To Avoid It


Landlord Stress and How to Avoid It

You’ve got a property and you’re ready to rent it out. But it can be a stressful investment with a number of pitfalls if you're not careful. This article looks at some of the major problems landlords can run into – and what you can do to avoid them before they become a problem.

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Buying and selling property at auction

If you’re looking for an alternative to buying or selling through an estate agent, an auction house could be the place for you. Some of the risk and red tape associated with property can be avoided by going down the auction route. In this article we cover the key advantages of homes under the hammer.

Commercial Property Owners Insurance FAQs

What is commercial property owners insurance?

Commercial property owners insurance, also known as commercial landlord insurance, is designed to offer specialist protection for landlords letting out buildings to third parties for commercial use.

Do I need commercial property owners insurance?

Commercial building insurance is not a legal necessity but without it you will have to pay for any damage the property suffers. You will also be liable for any third-party compensation claims related to property damage or injury through negligence.

Can you cover annual rental income and for how long?

In the event of a severe fire loss (or other insured peril) your property would be not be fit for occupation and you may therefore suffer a loss of rental income until the property has been fully repaired. The length of time it will take to repair your building will vary, as 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. It is best to be cautious and consider a minimum of 24 months or longer.

Can you cover unoccupied properties?

Yes we are able to cover unoccupied properties up to 30 days on a standard package for fire, lightning, earthquake and aircraft. Longer periods can be arranged with some of our specialist insurers.

Can you cover me for buildings insurance if the building I'm looking to insure is listed?

Yes, we are able to offer cover for listed buildings.

There’s a flat above my property, is it insured on my policy?

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.

What happens if I sell my building and the insurance is no longer required?

The premiums are generally refunded on a pro-rata basis. 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 paying by direct debit there will either be an outstanding balance to pay or a return due back to you, depending on where 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.

How can I correctly value my buildings and contents?

We would advise that your buildings sum insured should represent the true reinstatement value of the property following a total loss, including the costs of debris removal, architects' fees and rebuilding.

You can contact the Royal Institute of Chartered Surveyors (RICS) for independent professional advice. We also recommend you have a professional survey conducted.

Is there a cooling off period?

Commercial insurance works slightly differently to an individual’s insurance policy; please be aware there is no cooling off period in commercial insurance.

Are you able to email me my documents?

Yes, we give our clients the option of receiving documents by post or email. Just let us know when you set up your policy, or call us at any time and we will resend them.

Who are the insurers?

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. View your policy documents to see who you are covered with.

How long does it take to get a quotation?

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.

How can I pay?

You can pay in full or by direct debit. Payment in full can be done via BACS transfer or debit or credit card. All major cards are accepted except American Express.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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