Protecting Your Commercial Property
Buildings, liability, and interruption cover tailored to landlords.
Whether you own a single high-street shop, a multi-let industrial estate, or a national portfolio of mixed-use buildings — protecting your commercial property isn’t just a box to tick. It’s the backbone of your income, reputation, and future.
At Qudos Insurance we specialise in Commercial Property Insurance — offering tailored, expert-driven solutions that go beyond the standard. No tick-box policies, no guesswork — just robust, reliable cover built around your asset.
What Is Commercial Property Insurance?
Commercial property insurance protects buildings used for business or rental purposes against risks such as fire, flood, theft, storm damage, vandalism, and legal liability. It can also cover your loss of rental income if the property becomes uninhabitable due to an insured event.
What Does It Cover?
Every building is different — we tailor cover to your asset type, occupancy, and risk exposure. Core cover includes:
- Buildings Insurance – Rebuild cost, permanent fixtures and fittings
- Loss of Rent / Alternative Accommodation – Keeps income flowing if a tenant is forced to move out
- Property Owners’ Liability – Covers injury or damage suffered by tenants, visitors, or the public
- Landlord Contents (Optional) – For furnishing or fixtures provided by the landlord
- Legal Expenses Cover – Tenant disputes, evictions, and breach of lease
- Terrorism Cover (Optional) – Often required by lenders or for city centre locations
Who Needs It?
- Commercial landlords with shops, offices, or industrial units
- Developers with vacant or part-let buildings
- Investors with mixed-use or multi-let properties
- Freeholders and management companies
- Property owners leasing to third parties
- Owner-occupiers with commercial premises
- Asset managers and private portfolio clients
Why Clients Choose Us
At Qudos Insurance Brokers, commercial property is not just another product line — it’s our core specialism.
We understand the nuances of tenant types, lease agreements, rebuild valuations, and lender requirements. We help clients navigate:
- Unoccupied buildings
- Non-standard construction
- Portfolios across multiple sites
- High-risk tenants (takeaways, nightclubs, vape shops)
- Insurance compliance for funding or refinancing
No call centres. No vague answers. Just straight-talking, property-savvy brokers who understand your world.
Premiums and What Affects Cost
Premiums are based on:
- Rebuild cost, property size, and location
- Occupancy type (retail, office, industrial, leisure, etc.)
- Tenant business use
- Claims history and previous cover
- Security measures and maintenance records
Whether your property is tenanted, vacant, or under refurbishment — we’ll find the right market, every time.
Ready to review your current cover?
We’ve helped everyone from first-time landlords to £50m+ portfolio holders get the protection they need — often saving clients thousands and improving terms.
Speak to our commercial team today and discover why we’re trusted by property professionals across the UK.