
Commercial Property Insurance
For a landlord or property owner, protecting your commercial properties is essential. Our tailored insurance policies offer comprehensive coverage and peace of mind. Let’s explore the details:
Risks Covered
Buildings Insurance
Safeguards the structure of your commercial property, including walls, roof, and fixed installations against events such as Fire, Flood, Storm etc. Ensures your investment remains secure.
Liability Insurance
Protects against legal claims from tenants, visitors, or third parties due to injury or damage to property. Mitigates the financial risks associated with liability.
Contents and Fixtures
Covers contents, fixtures, and fittings within the property that you own like carpets, signage and built in furniture. Guards against loss or damage to your interior assets.
Loss of Rent
Covers lost rental income due to the property becoming uninhabitable following an insured event. Ensures you have no lost revenue during repairs.
Legal Expenses
Provides access to legal advice and representation for property-related disputes. Essential for handling tenant issues or contractual disputes and protects your legal rights.
Frequently Asked Questions
Do I need commercial property insurance if my property is vacant?
Yes, even vacant properties are at risk of damage or liability claims. Insurance provides protection during such periods.
Can I insure multiple commercial properties under one policy?
Yes, we offer portfolio insurance for landlords with multiple properties.
Is terrorism cover included in commercial property insurance?
Some policies include terrorism coverage, but it’s essential to check and add it if needed.
How do I calculate the sum insured for my commercial property?
It's recommended that at least every 5 years you obtain a professional valuation from a RICS qualified surveyor to ensure your rebuild is accurate. For standard properties we can provide a desktop valuation service to make this cost effective without the need for a surveyor to visit the premises.
Remember, our Commercial Let Property Insurance is designed to protect your investment and minimise risks. Feel free to reach out for personalised advice or a quote!