Commercial Property Insurance

24 02, 2025

How a Liability Claim Can Ruin Your Business – And How to Protect Yourself

By |2025-02-28T14:40:56+00:00February 24th, 2025|Commercial Property Insurance|0 Comments

How a Liability Claim Can Ruin Your Business – And How to Protect Yourself No matter how well you run your business, a single liability claim can have devastating consequences. From financial losses to reputational damage, legal battles, and even the risk of shutting down, the impact can be severe. Whether you're a small business owner, contractor, or entrepreneur, understanding liability risks is crucial for survival. Get a Quote Insurance under one roof We are specialists in many types of insurance 1. The Financial Toll of a Liability Claim A lawsuit can lead to crippling legal expenses, compensation payouts, and increased insurance premiums. Even if you win, the costs of defending yourself can be enormous. For businesses without the right insurance coverage, this can mean dipping into [...]

10 02, 2025

What Perils Are Covered by Commercial Property Insurance?

By |2025-02-10T10:21:48+00:00February 10th, 2025|Commercial Property Insurance|0 Comments

What Perils Are Covered by Commercial Property Insurance? Commercial property insurance is essential for businesses to protect their assets from unforeseen events. Whether you own an office building, a retail store, a warehouse, or a manufacturing facility, this type of coverage safeguards your physical assets, ensuring financial stability in the face of damage or loss. But what exactly does commercial property insurance cover? Let’s break down the perils typically included in standard policies and additional coverages that businesses might consider. Get a Quote Insurance under one roof We are specialists in many types of insurance What Perils Are Covered by Commercial Property Insurance? #Video https://youtube.com/shorts/tmPh0RfIc1M Common Perils Covered by Commercial Property Insurance Most commercial property insurance policies cover a broad range of risks, often referred to as [...]

12 08, 2024

Automatic Fire Alarms in Commercial Properties New Rules 2024

By |2024-08-12T12:38:32+00:00August 12th, 2024|Commercial Property Insurance|0 Comments

Automatic Fire Alarms in Commercial Properties New Rules 2024 As of October 2024 the London Fire Brigade will cease to attend alarms at commercial properties between the hours of 7am & 8:30 pm. (This does not apply when an actual fire has been reported.) It has been found that 99% of alarms at commercial properties are, in fact, false alarms and take up significant resources. Get a Quote Insurance under one roof We are specialists in many types of insurance If your commercial property is not listed on the exemption list, you need to follow the below procedures: If an alarm is triggered during the hours applying (7am -8.30pm) you will need to call 999 to confirm a fire has occurred/is occurring. Review all fire risk assessments. [...]

6 09, 2023

Top Commercial Property Insurance Pitfalls

By |2023-09-06T14:03:33+00:00September 6th, 2023|Commercial Building Insurance, Commercial Property Insurance|0 Comments

Welcome to our guide to commercial property insurance pitfalls. As a business owner, protecting your property is crucial. However, navigating the ins and outs of insurance can be tricky, especially when it comes to commercial properties. In this section, we will discuss the top pitfalls to watch out for when it comes to commercial property insurance. By being aware of these common mistakes, you can ensure that your business is adequately protected. Commercial property insurance can be complex and confusing, but with the right information and guidance, you can avoid costly mistakes. Let's dive into the top commercial property insurance pitfalls and how to avoid them. Key Takeaways: Commercial property insurance can be complex and confusing. Knowing the top pitfalls to watch out for can help you avoid costly mistakes. Proactive steps can help you mitigate risks and protect your business. Get a Quote [...]

28 06, 2022

Commercial property insurance-a costly common pitfall

By |2022-07-11T10:12:38+00:00June 28th, 2022|Commercial Property Insurance|0 Comments

Commercial property insurance-a costly common pitfall The pitfall around commercial property insurance is one that a lot of commercial property owners misunderstand. This common pitfall is really all about understanding the language around what insurance companies use when they list the perils on a policy. When we say perils, I mean, what you're covered for. When you get an insurance policy, you'll go to your list of perils covered and it will give you a long list of what's actually on there. Things like accidental damage, storm, flood- we all know what that is. Get a Quote Insurance under one roof We are specialists in many types of insurance Commercial property insurance - loss of rent is quite an ambiguous term A common one would be loss [...]

17 02, 2022

What Factors Influence the Cost of Commercial Property Insurance?

By |2022-04-26T13:26:09+00:00February 17th, 2022|Commercial Building Insurance, Commercial Property Insurance, Shop Insurance|2 Comments

 What Factors Influence the Cost of Commercial Property Insurance?  Commercial property insurance protects landlords who rent out their property for commercial purposes. This type of insurance policy is required due to the wide range of costly incidents that can occur when you allow another party to occupy the commercial property, such as a steel structure or barn. This coverage is also known as commercial landlords' insurance. To obtain this type of insurance, the lessor must enter into a formal rental agreement with its tenant, naming itself as the lessor and the occupying organization as the tenant. For around 300 years, insurance underwriters have used four factors to determine what your premiums for commercial property insurance are, and we'll go over these four factors, which you can remember in a simple acronym called cope C-O-P-E, which stands for CONSTRUCTION, OCCUPANCY, PROTECTION, and EXPOSURE. Get a Quote [...]

31 10, 2019

Black Friday Insurance

By |2020-05-13T16:00:49+00:00October 31st, 2019|Commercial Property Insurance, Directors and Officers Insurance, insurance, Shop Insurance, Tradesman Insurance, Uncategorized|Comments Off on Black Friday Insurance

Black Friday Insurance Black Friday Insurance Deals are coming to Property Insurance Centre in 2019! We will also stretch it out for the whole week! We can cover and DISCOUNT the following classes of Business during Black Friday Week! CALL US OR FILL IN AN ONLINE FORM DURING BLACK FRIDAY WEEK FOR YOUR CLASS OF BUSINESS - AS LONG AS YOU CALL OR FORM FILL THE BLACK FRIDAY DISCOUNT WILL APPLY! The Discount is UK Wide! Our Black Friday deals will apply to your renewal next year also. We will continue to apply our discounts when the policy is due to renew, if you have taken out the policy and paid during Black Friday Week. This means your policy will not spike in price next year, due to not getting the Black Friday Insurance Discount. Get a Quote Insurance under one roof [...]

18 10, 2019

Landlord cover with public liability

By |2022-05-10T14:45:55+00:00October 18th, 2019|Commercial Property Insurance, Home Insurance, insurance, Landlord Content Insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Landlord cover with public liability

Landlord Cover with Public Liability What is Landlord Cover? Landlord cover is insurance for landlord which includes insurance for Flood, Storm, Fire, Loss of Rent, Theft, malicious damage, accidental damage, to name a few. Most importantly it includes Landlord Liability Cover. Top tip when buying Landlords Insurance Make sure the Property Owners Liability or Landlord Liability is sufficient - Property Insurance Centre can offer policies that provider the landlord with cover up to £2,000,000, £5,000,000 or even £10,000,000 for much larger property, such as a large flats insurance. You need to assess the risk at your premises, by thinking of who visits your property and how often people visit the property - all of which increases the risk of higher landlord liability required. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

29 06, 2019

Commercial Insurance NI

By |2022-05-16T08:29:43+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Shop Insurance, Uncategorized|Comments Off on Commercial Insurance NI

Commercial Insurance NI Commercial Insurance Northern Ireland Whether you have a small family owned business, rent lots of properties across Northern Ireland or run a global multi-national organisation you need commercial insurance that suits your needs and your organisation.  Our team of specialist brokers at Property Insurance Centre in Northern Ireland are dedicated to finding you the right insurance for your needs at the best premium. We specialise in Commercial Insurance Northern Ireland. Some examples of some local business types we support: Ice Cream Shop Insurance Public House Insurance Financial Advisers Office Insurance Locksmith Insurance Restaurant Insurance including Takeaways Get a Quote Insurance under one roof We are specialists in many types of insurance Why Choose us for your Insurance NI? We are a locally based company in [...]

29 06, 2019

Who to Choose for Your Commercial Building Insurance

By |2022-05-16T08:55:08+00:00June 29th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Who to Choose for Your Commercial Building Insurance

Who to Choose for Your Commercial Building Insurance When something goes wrong it’s not a good time to find out that your insurance cover isn’t right. If you own business premises and operate businesses from them you must ensure you have adequate insurance. Equally if you are a landlord with a single property or several properties and someone else operates businesses from them, you must ensure your risk is insured. This is known as commercial building insurance. As a basic you need to insure the actual building in case something happens to it. If you have a mortgage this is likely to be a pre-condition but if you do not have a mortgage it is still recommended as otherwise you risk having to rebuild your premise yourself if something happens to it. To insure a commercial building, you need know what activities are being carried out by the business or [...]

29 06, 2019

What Types of Property Insurance Are Available?

By |2022-05-16T09:03:26+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on What Types of Property Insurance Are Available?

What Types of Property Insurance Are Available? Although property insurance in the UK is not mandatory, it is a requirement of interested parties such as banks or anyone who lends you money secured on your property.  Also, if you rent out your commercial or residential property your tenant will assume that you have adequate insurance cover in place for the buildings. There are lots of different types of property insurance available, everything from common home insurance policies to bespoke portfolio packages for landlords with a variety of commercial buildings. Get a Quote Insurance under one roof We are specialists in many types of insurance At Property Insurance Centre we specialise in commercial insurance policies but do cater for home insurance policies through our offices in Northern Ireland [...]

29 06, 2019

Why Is Commercial Insurance Important?

By |2022-05-16T08:59:47+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Why Is Commercial Insurance Important?

Why Is Commercial Insurance Important? Your commercial property you own is one of the most expensive assets in your life. There it is extremely important you make sure you have adequate insurance cover in place to protect you against unforeseen incidents such as fire, subsidence, floods, etc. The team at Property Insurance Centre have extensive knowledge of different types of insurance available and can therefore guide you on the all the different types of cover. It is important to insure your property for the correct rebuild. Appointing a building surveyor to survey your property will ascertain a figure to which you should insure your property for. You do not want to underinsure your property as this will cause a lot of issue if a claim occurs. Why not give us a call on 0800 085 3761 to see how we can help you insure your property. Get a Quote [...]

28 06, 2019

Specialist & Tailored Commercial Building Insurance

By |2022-05-31T11:19:10+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Specialist & Tailored Commercial Building Insurance

Specialist & Tailored Commercial Building Insurance As one of the few specialist Commercial insurance brokers in the UK we are pleased to offer the best levels of cover and rates available on Commercial Building Insurance.  Our policies are underwritten by the largest companies such as AXA, Ageas, Allianz, RSA, Aviva and non standard and high risk policies are underwritten by our relationship with Lloyd’s Building Insurance for Commercial Property The purpose of Commercial Building Insurance is for commercial landlords looking to protect their building even if it is unoccupied.  With over 40 years of experience in the commercial insurance market we offer bespoke policies for everyone from those with one commercial property to portfolio policies for mixed use buildings.  With our experience we will do all the searching around to give you complete peace of mind not to mention the best rates available in the UK. Get a Quote [...]

28 06, 2019

Are you looking for A Commercial Property Insurance Quote?

By |2022-05-31T11:28:26+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Are you looking for A Commercial Property Insurance Quote?

Are you looking for A Commercial Property Insurance Quote? At Property Insurance Centre we are not on comparison websites because we believe in passing on the best prices directly to our clients. We will do all the searching for you and have access to the major insurance companies such as AXA, Ageas, Allianz, RSA, Aviva and Lloyds. With over 40 years experience we have access to the best cover and prices and as we specialise in Commercial Property Insurance we know the various types of policies available. As Commercial Property Insurance Brokers we have standard cover for buildings and contents as well as optional extras such as Accidental damage, employers’ liability, theft by tenants, loss of rent and legal expenses policies. One thing that we would recommend is that you try to improve security standards with your building, this includes have a 5 lever mortice deadlock and security bolts on [...]

28 06, 2019

Commercial Property Insurance Specialists Northern Ireland

By |2020-05-16T17:12:49+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Specialists Northern Ireland

Commercial Property Insurance Specialists Northern Ireland ]Commercial Property Insurance covers a wide variety of business types in Northern Ireland.  At Property Insurance Centre we are one of the few brokers who specialise purely on Business Insurance. Our Business Insurance can cover your premises, employees, stock, money held on the premises and we have great rates on Cyber Insurance as well. Buildings insurance will cover the cost of rebuilding or repairs on your premises if they are damaged through one of a list of common perils such as Fire or Escape of Water.  Our commercial insurance policies are perfect for tenants or owners of business or the landlords who own the buildings and rent them out.  Our insurance policies can offer additional peace of mind for landlords through our loss of rent protection which can pay out for lost rent during repairs or restoration following a successful insurance claim. Get [...]

28 06, 2019

Commercial Property Insurance Northern Ireland

By |2020-05-16T17:19:49+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Northern Ireland

Commercial Property Insurance Northern Ireland ]Based at 4 Donaghadee Road, Newtownards, BT23 7ET Property Insurance Centre are one of the few brokers in Northern Ireland who specialise in Commercial Property Owners Insurance.  We have access to the main insurance underwriters in the UK such as AXA, Ageas, Allianz, RSA, Aviva and Lloyds we can find the best cover and rates available for Commercial Insurance policies. Trading for over 40 years means that our dedicated new business team know the best insurance company for each type of business such as textile and manufacturing, farmers, builders, offices and shops around all of Northern Ireland. With this access to specialist business insurance policies we are able to provide cover for business owners who work from their home to landlords who require multiple property portfolio policies insuring millions of pounds worth of buildings. Get a Quote [...]

28 06, 2019

Commercial Property Insurance Broker London

By |2020-05-17T07:53:12+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Broker London

Commercial Property Insurance Broker London Since 1976 Property Insurance Centre are one of the few brokers that focus on offering specialist Commercial Property Insurance around London.  With one of our offices based at 30 Moorgate, London, EC2R 6PJ call us today for FREE on 0800 085 3761 to get the best commercial cover and rates in the UK. We cater for everyone from those who run their business from home to multiple property landlords.  With a range of policies available such as buildings and contents, great rates on loss of rent protection, property owner liability, unoccupied commercial insurance, directors and officers insurance and legal expenses cover. Get a Quote Insurance under one roof We are specialists in many types of insurance With access and well established relationships [...]

28 06, 2019

What is Commercial Property Insurance?

By |2020-05-17T08:00:07+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on What is Commercial Property Insurance?

What is Commercial Property Insurance? What is Commercial Property Insurance & why do I need it? If you are looking for a Commercial Property Insurance Quote or Business Insurance it essential you consider what the actual risks are to the property. This cover is essential for every organisation even if you rent/own your building or run your business from home. The typical policy will cover the buildings and it’s contents as well as everything in the grounds of the buildings including your business sign. It will normally cover public liability (3rd party) as well as Employer’s Liability which is a legal requirement in the UK. With typical liability cover from 5 million you will be able to satisfy the legal requirements as well as reassure your customers that you are covered when it comes to work with them.  With Commercial Property Insurance from Property Insurance Centre you will also [...]

27 06, 2019

Commercial Property Insurance example Mr Brownlee

By |2020-05-17T13:43:05+00:00June 27th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance example Mr Brownlee

Commercial Property Insurance example Mr Brownlee Property Insurance Centre were pleased to offer Full Perils cover for Mr Brownlee who owns an unoccupied former bank premises in Newtownards, Co Down. Mr Brownlee has been a customer of ours for the last 8 years and he was delighted to get wider perils cover on his unoccupied premises insurance when it became empty after the lease ended. We were able to offer a Commercial Property Insurance policy with wider perils cover at a rebuild cost of £500,000 for the great price of £695. The client also had the option to take reduced perils for a lesser premium of £580.00. Get a Quote Insurance under one roof We are specialists in many types of insurance As specialists in Commercial Insurance we [...]

27 06, 2019

Commercial Property Owners Insurance

By |2020-05-17T14:54:45+00:00June 27th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Owners Insurance

Commercial Property Owners Insurance Commercial Property Owners insurance is a must for Landlords & Property Owners alike. Property Insurance Centre have provided commercial insurance policies since 1976 all over the UK. A commercial property owners policy can protect the commercial property for various risks including Fire, Subsidence, Flood, Storm & theft for example in addition to any rental income. What can Commercial Property Owners Insurance cover: By insuring your portfolio of properties in one place you will get one renewal date, one reference number, one price and one insurance company to work with. Property owners’ liability insurance offers protection for claims made in respect of damage to 3rd party property or injury to 3rd party members of the public due to negligence relating to the property you are responsible for. It can be included in all the policies provided and all you need to let us know is the limit [...]

25 06, 2019

Commercial Property Insurance Brokers UK

By |2021-10-19T19:02:18+00:00June 25th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Brokers UK

Commercial Property Insurance Brokers UK Commercial Property Insurance Brokers since 1976 Property Insurance Centre are one of the few brokers who specialise in Commercial Property and Business Insurance and with over 15 different underwriters we are sure to find you the best price and the right insurance protection. All you have to do is give us a call on 0800 085 3761, we have offices in London & Northern Ireland so cover all over the UK. We offer a range of products from Residential and Commercial property owners.  We also provide commercial and residential combined policies with accidental damage and £2,000,000 public liability cover as standard, which can be increased to £10,000,000 if required.  We are also specialists in Unoccupied Commercial Insurance and Unoccupied Residential Property Insurance. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

25 06, 2019

Commercial Property Insurance Brokers

By |2020-05-22T10:47:11+00:00June 25th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Brokers

Commercial Property Insurance Brokers We have been Commercial Property Insurance Brokers since 1976 from our first offices on the Limpsfield  Road, Sanderstead. Since then the company has grown to serving clients from London to Birmingham to Manchester to Belfast , right across the United Kingdom. We offer a range of products from Property Owners , both residential and commercial, including buy to let insurance & Commercial Property Owner policies from a panel of insurers with a wide range of covers available. As Commercial Property Insurance Brokers our service will include : A no-obligation review of your insurances Identification of any gaps in cover Help you to arrange a policy that meets your needs Answer any questions you may have Comparison of insurance quotes & cover from multiple insurance companies (we’re independent so not tied to any insurers) Availability of instant cover If there is a better deal out there, we’ll [...]

25 06, 2019

Insurance Brokers Newtownards

By |2020-05-21T14:44:22+00:00June 25th, 2019|Buildings Insurance, Commercial Property Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Insurance Brokers Newtownards

Insurance Brokers Newtownards with access to Loss Assessors Mr Martin had internal water damage & damp in his office and reported the damage directly to his insurer. Mr Martin assumed the water damage was the result of a storm that occurred the previous evening, and that the storm has damaged his roof, and the water had penetrated the inside of his building directly from this. The insurer appointed a Loss Adjuster to the claim, and as the claim estimate was under a certain value, the adjuster refused to visit the property & insisted that the damage was not caused by the storm as the wind speed was not high enough to cause that level of damage to the roof. The customer contacted Property Insurance Centre for help, and as his broker, we asked a team of loss assessors, which are claim handlers who work for the customer (not the [...]

25 06, 2019

Commercial Insurance Northern Ireland

By |2020-05-21T15:04:04+00:00June 25th, 2019|Commercial Building Insurance, Commercial Property Insurance, insurance|Comments Off on Commercial Insurance Northern Ireland

Commercial Insurance NI Whether you have a small family owned business, rent lots of properties across Northern Ireland or run a global multi-national organisation you need commercial insurance and commercial building insurance, that suits your needs and your organisation.  Our team of specialist brokers at Property Insurance Centre in Northern Ireland are dedicated to finding you the right insurance for your needs at the best premium.  All businesses are different and have different insurance needs, so we believe in providing the personal touch with our customer focused approach.  We are not like large insurance firms as we always give you a dedicated contact for your business insurance needs, including office building insurance, so you will always know who to call if you need to alter anything on your policy and you won’t have to call an unknown person in a contact centre. Unlike taking your cover directly with an insurance [...]

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