Commercial Property Insurance

Protect your business premises against unexpected risks with commercial property insurance.

Owning your business premises brings specific financial responsibilities. Commercial property insurance keeps your building safe and helps you manage financial risks from events like fires, floods and theft.

With tailored cover, you can confidently focus on running your business, knowing your building is secure.

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What is commercial property insurance?

Commercial property insurance provides financial protection for buildings you own and use for your business.

Instead of managing multiple policies, commercial property insurance combines essential cover into one tailored policy. If you’re a commercial landlord or own your business premises, this policy helps protect your investment and manage the risks associated with ownership.

A commercial property of residential flats

Do I need commercial property insurance?

Commercial property insurance suits businesses across various sectors, including:

Property management companies
Offices and professional services
Retail and wholesale

Commercial property insurance is strongly recommended. If you have a commercial mortgage, your lender may require buildings insurance as a condition of your loan. Even without a mortgage, having the right cover provides critical protection against repair or rebuilding costs.

What does commercial property insurance cover?

Commercial property insurance typically covers:

Buildings and Fixtures: Protection for structures, fixtures, and fittings. Including fences, gates, car parks and underground pipes and cables.
Property Damage: Covers rebuilding or repairing your premises following incidents like fire, theft, flooding, storms or vandalism.
Business Interruption: Provides financial support if your business can’t operate temporarily due to an insured event like fire or flooding.
Trace and Access: Covers costs to locate and repair leaks, such as finding and fixing burst pipes.
Loss Prevention: Pays for preventative measures to safeguard your property from imminent damage, like installing flood defences.
Loss of Rent: Covers rental income loss if your commercial property becomes temporarily unusable due to insured damage.
Accidental Damage: Protects against unintentional damage to your property.
Liability Protection: Covers legal fees if third parties claim your business caused injury or property damage.

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What is commercial property insurance?

Our commercial property insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

A commercial property of modern residential flats.

Get a free commercial property insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too lower to fully protect your business. If you’re unsure if your commercial property insurance is giving you the right protection, we can help.

As part of our free commercial property insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your business’ needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free commercial property insurance health check today.

Speak to us about your commercial property insurance today

Our tailored commercial property insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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