Commercial Property Owners Insurance

We can offer cover for a range of commercial properties from our trusted network of leading insurers. You can place just one commercial property or a whole portfolio under one policy, including unoccupied, non-standard, residential and mixed-use buildings.

0344 892 1664

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About Commercial Property Owners Insurance


Loss of rent insurance

Reimbursement for you for lost rental income if the property becomes uninhabitable due to an insured loss or damage such as fire or flood


Cover for alternative accommodation

Protection for you and your tenants if disaster strikes


Unoccupied commercial properties covered by our insurance

Cover for buildings which become unoccupied is available up to 30 days as standard, with the option to extend for longer periods. This varies between insurers.

Direct Debit

Pay by Direct Debit

You can choose to spread your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

Features of Commercial Property Owners Insurance

Standard cover

Cover your commercial property portfolio in one policy

We like to make life easier. By insuring your whole commercial 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.

Commercial 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 this in all the policies we provide – just let us know the limit of cover you need.

Loss of rent insurance for commercial properties

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 for properties

A commercial property owners’ insurance 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.

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.

Typically, a commercial or business policy will cover your property against loss of damage caused by fire and a range of perils such as lightning, storm, flood, malicious damage etc. We can also include Theft damage to buildings as well as accidental damage and subsidence.


Do I need commercial property owners’ insurance?


This depends if you are the owner or a tenant. Commercial building insurance is not a legal necessity but without it you will have to pay for any damage the property suffers due to fire storm or flood. You will also be liable for any third-party compensation claims related to property damage or injury through negligence.

Tenants need to ensure they have appropriate cover, and also check their lease agreement for any mandatory insurance requirements.

If you employ any staff, it is a legal requirement to have employers’ liability insurance. This can be added to your policy.


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, then yes 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 home 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?


Your buildings sum insured should represent the current rebuilding value of the property following a total loss, including the costs of debris removal, architects' and surveyors fees and other professional costs.

You can contact the Royal Institute of Chartered Surveyors (RICS) for independent professional advice. As the costs of labour and materials can change we recommend you have a professional rebuild valuation survey conducted regularly – at least every three years.


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 email them to you.


Who are the insurers?


This depends on the policy you have chosen. We act as brokers and have access to several schemes. You may receive quotes from a few different insurers depending on the cover you request as we will seek policies from our panel of insurers. The name of your insurers will be stated in your policy documents.


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.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim