Commercial Property Insurance UK2023-06-14T09:21:14+00:00

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Commercial Property Insurance


If you require Commercial Property Insurance, then the team at Property Insurance Centre are here to help. All businesses need to make sure that they have the correct cover at the right level in case something happens to their property.

We are Property Specialists who have been trading since 1976 – for forty-four years.

We have a highly experienced team that will work hard to find you the best deal and cover for your commercial property insurance policy.

To the right, you can download the first guide in our Climate Change series, which offers Commercial Property Owners some solid tips about flood prevention.


commercial property insurance flood protection tips

Need commercial property insurance? Our relationships may be able to help get you a good deal!

We have over 45 years experience working with:


Commercial property insurance-a costly common pitfall – This common pitfall is really all about understanding the language around what insurance companies use when they list the perils on a policy. discover more.

Why choose us?

At Property Insurance Centre we understand the needs of Commercial Property Owners and understand that every building and circumstance is different. We can work with our insurers and tailor a policy to suit your exact needs.

Whether you want to apply for quotes online or speak to one of our experienced team, we aim to give you the best Commercial Buildings Insurance cover at the right price.

As a specialist insurance broker, we strive to give our clients the best service with:

  • Independent broker with approachable staff online or by phone

  • Access to a wide range of insurers to source suitable insurance cover for your needs

  • Bespoke Insurance Schemes & Portfolio Policies available

  • We can tailor your policy to suit your exact needs to give you complete peace of mind

  • Competitive Premiums

  • Cover available for the buildings while the property is being converted, renovated or extended

  • Over 40 years experience working with the best insurers in the UK

  • Excellent communication so that you understand what risks you are insured against

What cover does Commercial Property Insurance provide?

Commercial Property Owners Insurance provides cover for the risks associated with owning premises which are used for business purposes. This could be a shop, salon, restaurant, pub, office, warehouse or even a factory. Buildings used for leisure, education or charity events may come under the umbrella of Commercial Property too. Cover comes as standard for Property Owners Liability at £2,000,000. If there is a single residential flat or several above the commercial premises this can also be included within the quote. Those who require Commercial Buildings Insurance could be:

Property Owners that have bought the property themselves from where they will run their own business

If you own the premises from which your business is run then you may wish to take out Commercial Contents Insurance which will protect the contents in your building such as computers, desks, stock or tools as opposed to the physical building itself. You may wish to take out a Commercial Combined Policy which can provide cover for stock, business fixtures and fittings, money kept on site, business interruption, goods in transit, liabilities and the building. This type of cover is often the most cost effective option rather than having a separate Commercial Buildings Insurance, Commercial Contents Insurance and a Liability Policy.

Landlords that own the building and let it out to Commercial Tenants for Rental Income

If you are the landlord of a Commercial Building you must make it clear between yourself and your tenant who is responsible for insuring what as typically your tenants contents will not be covered under your policy. Some landlords arrange Commercial Premises Insurance for their building and charge the tenant the premium, however they will still be responsible for insuring their own contents and equipment.

Optional Cover can also be arranged to include:

  • Employers Liability Insurance – This will protect you against a claim if a member of the public or an employee were to have an accident at your premises. Employers Liability Insurance is a requirement by UK law if you have any employees working for you, even if they are part time volunteers. Liability claims can be extremely costly as well as time consuming with a lot of legal protocol to follow. If an employee were to have an accident as a direct result of working for you, you could have to pay legal fees and compensation as well as maybe having to take time off work to attend court dates or get legal advice. Many SME’s struggle to reopen after an incident like this if they don’t have adequate insurance. This can be due to the financial losses incurred or even the damage done to your businesses reputation.

Cover for Unoccupied Commercial Properties – If your property is empty for 30 days or more, specialist unoccupied property cover is needed. Unoccupied Property Insurance often provides the most basic of cover against perils such fire lightning, earthquake and explosion.

You may also like to check our Building Insurance Quote UK page.

We have over 45 years experience working with:

Commercial Property Insurance Cover Includes:

Commercial Property Owners Insurance provides cover for the risks associated with owning premises which are used for business purposes. This could be a shop, salon, restaurant, pub, office, warehouse or even a factory. Buildings used for leisure, education or charity events may come under the umbrella of Commercial Property too.

The cover comes as standard for Property Owners Liability at £2,000,000. If there is a single residential flat or several above the commercial premises this can also be included within the quote.

Commercial Property Insurance Comparison:

We are not on insurance comparison websites, so we get the best level of cover and rates directly for our customers. 

With over 44 years of brokering we have access to the major UK underwriters and with our excellent working relationship we have access to the best rates.

Our dedicated new business team will take your details and then do all of the searching for you. You can be sure of getting the best rates around.  By speaking to us directly we will get a fuller picture of what exactly you need.

Who needs commercial buildings insurance?2020-06-25T10:21:56+00:00

Commercial Property Insurance is for landlords who rent out their property for commercial use such as offices, shops, pubs, restaurants, warehouses, surgeries through to a lock-up garage. As a Commercial Property Owner, you are subject to a variety of risks for the building and contents as well as from the liabilities you have towards your tenants.

Rental properties by nature are at a higher risk of being damaged or repair work not being reported and taken care of. What may be ignored as a small patch of damp could, in fact, be a burst pipe slowly rotting away your ceiling and without it being reported, you could be completely unaware of an issue until serious damage has been done. Commercial Buildings Insurance can help recover the costs of repairing or rebuilding your property should an accident happen.

Call us on 0800 085 3761 or contact us here to get a range of Commercial Landlord Insurance Quotes.

Why is it important to have commercial property insurance?2020-06-25T10:21:56+00:00

If you own a commercial property, it is undoubtedly one of the most valuable assets that you have. So if you don’t place the right type of insurance cover on it for the various eventualities, then you take a big risk.

It is very important to have commercial insurance for this expensive asset so that you are covered in the event of unforeseen incidents including floods, subsidence, fire and a number of others.

The first step to getting commercial property insurance is to contact our team who will be able to help you. Additionally, you will need to appoint a building surveyor who will be able to evaluate how much the property should be insured for – as the last thing you want to do is underinsure your asset.

What is covered typically under a commercial property insurance policy?2020-06-25T10:21:56+00:00

The perils that are typically covered under this policy are accidental damage, malicious damage, theft, flood, escape of water, subsidence, storms and floods…and some more. Policies come standard with Property Owners Liability at £2,000,000 but can be increased to £5,000,000.

There are also add-ons that you may require depending on the property use. For example, a landlord’s contents, employers liability, terrorism, and legal expenses. It is of the utmost importance to get the commercial property insured for its correct value. This means you will need to employ a surveyor.

How much should I expect to pay for commercial property insurance?2020-06-25T10:21:56+00:00

The cost of commercial property insurance varies depending on a variety of factors such as:

  • Rebuild cost
  • Postcode
  • Previous claims
  • Trade carried out in the property
  • If it is located in a subsidence or flood area
  • If the building in an area where levels of theft and malicious damage are high
  • Is the property close to a river – this affects the price as the underwriters will take into consideration that the river might burst its banks and damage your property

Commercial Property Insurance could cost as little as £142 per annum, but this is a starting point and will be affected by the various factors highlighted.

Do I need commercial property insurance?2020-06-25T10:21:55+00:00

If you are a small business that owns inventory, equipment and/or a building you really should have commercial property insurance. This type of insurance is there to replace or repair business property that is destroyed, damaged or stolen.

What does commercial property insurance cover?2022-09-15T10:46:37+00:00

Commercial property insurance covers a wide range of risks, including fire, theft, vandalism, and weather damage. In most cases, it will also cover the contents of the property, such as furniture, equipment, and stock. The amount of coverage provided by commercial property insurance varies depending on the policy, but it typically includes replacement cost coverage, which pays for the cost of repairing or replacing damaged property.

Many policies also include business interruption insurance, which can help to cover lost income if the business is forced to close due to damage from a covered event.

Commercial property insurance is an important type of coverage for any business owner, and it is wise to review your policy regularly to make sure that it meets your needs.

What’s not covered by commercial property insurance?2022-09-15T10:49:36+00:00

Commercial property insurance provides coverage for physical damage to commercial buildings and their contents. However, there are many things that are not covered by commercial property insurance.

For example, commercial property insurance does not cover floods, earthquakes, or other natural disasters. Additionally, commercial property insurance does not cover damage caused by intentional acts, such as vandalism or theft.

Moreover, commercial property insurance typically has a high deductible, so it is important to have a plan in place to cover the costs of repairs in the event of damage.

By understanding what is not covered by commercial property insurance, businesses can be better prepared to protect their assets.

Please note that this answer is not a definitive list and you should always check with your insurance broker all the precise conditions of your policy.

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Commercial Property Insurance

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