Commercial Property Insurance
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Commercial Property Insurance covers the building itself, not the business inside it. Office Insurance looks after what's in the space; this insurance looks after the space itself. And in most commercial arrangements, whoever is responsible for the building is required to hold this cover anyway, so it's less of a choice than it might seem. If something happens to the structure, the liability lands on whoever owns or is responsible for it. This is the cover that deals with that.
What This Covers
The structure and fabric of the building- Fixtures and fittings that form part of the property
- Damage caused by fire, flood, storm, or escape of water
- Malicious damage and vandalism
- Liability for injury or damage caused by the building
- Loss of rent if the property becomes uninhabitable following an insured event
- Empty property cover where included
What This
Does NOT Cover
Occupier's contents or business equipment- Damage caused by gradual deterioration or poor maintenance
- Unoccupied premises beyond the policy's specified period without notification
- Deliberate damage caused by the insured
Illustrative
Claim Example
Illustrative Example
The owner of a mid-sized commercial office building suffered a fire in the communal area, causing significant structural damage. The occupying business's own insurance covered their contents and business interruption, but the cost of repairing the building fell to the owner. Their Commercial Property policy covered the full reinstatement cost of £210,000 and loss of rent during the eight-month repair period.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Anyone who owns a commercial building
Businesses required by their lease or agreement to hold buildings insurance
Property investors with one or more commercial premises
Those responsible for vacant commercial property between occupancies
Who Needs This Insurance
Ready to
get covered?
Get a quote for Commercial Property Insurance built around your property and how it's used.
