FAQs
Commercial Property Insurance FAQ
Answers to property owner cover questions.
- Commercial Property Insurance protects buildings and/or contents used for business or rental purposes against risks such as fire, flood, theft, vandalism, and accidental damage.It is suitable for:
- Single commercial premises (e.g. shops, offices, warehouses)
- Landlords letting commercial units
- Investors with property portfolios
- Mixed-use buildings (e.g. flats above shops)
- Shops and retail units
- Office buildings
- Industrial units and warehouses
- Restaurants and cafes
- Pubs and takeaways
- Mixed-use premises (commercial + residential)
- Vacant or unoccupied buildings
- Entire portfolios under one policy
Typically includes:
- Buildings insurance – covers structure, fixtures, and fittings
- Landlord contents (optional)
- Loss of rent following a claim
- Public liability (injury to third parties on the premises)
- Employers’ liability (if staff are on site)
- Legal expenses cover
- Terrorism cover (optional, often required by lenders)
- Fire damages a tenant’s shop — landlord claims for building repairs and loss of rental income
- Storm damage to a warehouse roof
- Vandalism to a vacant unit
- Legal dispute with tenant over lease or damages
Premiums vary based on:
- Property location, type, and rebuild cost
- Tenant business type (e.g. takeaway = higher risk)
- Occupancy (let vs unoccupied)
- Claims history
- Value and number of properties
Portfolios typically benefit from multi-property discounts, and one renewal date for ease.
- Combine 2+ properties under one umbrella
- Simplified management
- Cost-effective
- One insurer, one renewal date
- Can include both commercial and residential lets
Reach out to us
If you have any questions or need further assistance with any of our insurance products please use the form and reach out to us.
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