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 of cover you require.
- If you had an insured loss at the property it may be uninhabitable while repairs are carried out. Therefore, we can cover you for the loss of rent and normally the cost of alternative premises for your tenant. This protection can cover you for up to 36 months.
- Commercial fire and theft insurance. An extensive policy that is made up of covers including buildings, landlord’s contents, loss of rent property owner and employer’s liability insurance. Fire and theft perils are included that offers protection against fire, electrical fire, and break-ins.
FAQ’s on Commercial Property Owners Insurance:
What is commercial property owners insurance?
It is also known as commercial landlords insurance, designed to provide specialist protection for landlords who let out buildings to tenants for commercial use.
Do I need commercial property owners insurance?
It is not a legal requirement but without it you are liable to pay for any damage that may occur to the property as well as any 3rd party compensation claims relating to property damage or injury through negligence.
Can you cover annual rental income and for how long?
Up to 36 months of rental protection cover can be provided. It only covers in the event of a fire loss or other insured peril whereby your property would not be fit for the tenants to remain in the building. It will pay out until the property has been fully repaired.
Can you cover unoccupied properties?
For a period of up to 30 days is included in a standard package but other insurance policies are available from Property Insurance Centre. This will cover fire, lightning, earthquake and aircraft.
There is a flat above my property, is it insured on my policy?
Yes, it is if buildings cover is included in the policy. With buildings cover it will include property owner’s liability to cover against someone tripping or slipping around your building.? It is up to the tenant of the flat to arrange cover for their own contents though.
Is there a cooling off period?
Commercial insurance works differently to an individual insurance policy therefore there is no cooling off period with Commercial Property Owner policies.
What payment methods do you accept?
We accept cheque, all major debit and credit cards along with an option to pay by monthly direct debit.
If you are looking for a Commercial Property Owners policy get in touch with us today on 0800 085 3761. We are an independent insurance broker with access to large underwriters and we will be able to get you the best cover for the best rates in the UK.
Why choose the Property Insurance Centre
Independent advice by 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
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
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
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
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
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.
Get In Touch:
[contact-form-7 id="12585" title="New Callback"]We accept most payment types including:
Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.
Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.
The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.
His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.
Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.
He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.
As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).
As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
Contents
- 1 Commercial Property Owners Insurance
- 2 What can Commercial Property Owners Insurance cover:
- 3
- 4 Insurance under one roof
- 5 We are specialists in many types of insurance
- 6 FAQ’s on Commercial Property Owners Insurance:
- 7 Block of Flats
- 8 Unoccupied
- 9 Home Insurance
- 10 Residential Landlord
- 11 Land Liability
- 12 Commercial Property
- 13 Lockup Garage
- 14 Restaurant
- 15 Takeaway
- 16 Classic Car
- 17 Mixed Use
- 18 Tradesmen
- 19 Why choose the Property Insurance Centre
- 20 Independent advice by approachable staff online or by phone
- 21 Access to a wide range of insurers to source suitable insurance cover for your needs
- 22 Bespoke Insurance Schemes & Portfolio Policies available
- 23 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 24 Competitive Premiums
- 25 Cover available for the buildings while the property is being converted, renovated or extended
- 26 Over 40 years experience working with the best insurers in the UK
- 27 Excellent communication so that you understand what risks you are insured against
- 28 Why choose the Property Insurance Centre
- 29 Independent broker with staff you can speak to by phone or online
- 30 Access to a wide range of insurers to source suitable insurance cover for your needs
- 31 Bespoke Insurance Schemes & Portfolio Policies available
- 32 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 33 Competitive Premiums
- 34 Cover available for the buildings while the property is being converted, renovated or extended
- 35 Over 40 years experience working with the best insurers in the UK
- 36 Excellent communication so that you understand what risks you are insured against
- 37 Why choose the Property Insurance Centre
- 38 Independent broker with staff you can speak to by phone or online
- 39 Access to a wide range of insurers to source suitable insurance cover for your needs
- 40 Bespoke Insurance Schemes & Portfolio Policies available
- 41 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 42 Competitive Premiums
- 43 Cover available for the buildings while the property is being converted, renovated or extended
- 44 Over 40 years experience working with the best insurers in the UK
- 45 Excellent communication so that you understand what risks you are insured against
- 46 Specialists in Commercial & Residential Insurance
- 47 Get In Touch:
- 48 We accept most payment types including:
- 49 UK Call Handlers & Dedicated New Business Team
- 50 Call Us on 0800 085 3761
- 51 Robert Fisher
