Commercial Landlord Insurance

Protecting Your Commercial Property Investment

Owning a commercial property presents unique risks, especially when leasing to businesses. Commercial landlord insurance is designed to offer protection against a wide range of potential issues, from property damage to legal claims, helping safeguard your investment and minimise financial disruption.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Commercial Landlord Insurance?

Find a policy tailored to your property portfolio
Compare premium levels and excesses
Flexible protection that can grow with your business
Dedicated customer service and claims assistance
Highlight exclusions and important terms
Affordable monthly payments
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What Is Commercial Landlord Insurance?

Commercial landlord insurance is a type of cover designed for property owners who rent out premises for business use. This could include anything from office buildings and warehouses to retail units and industrial estates. Policies available through specialist brokers can combine several forms of protection, helping reduce your exposure to financial loss if things go wrong.

While standard buildings and contents insurance may offer limited protection, commercial landlord cover could include options tailored specifically to the risks associated with leasing to businesses.

Who Might Need Commercial Landlord Insurance?

If you rent out property to commercial tenants, whether a single shop or an entire block of industrial units, you could benefit from commercial landlord insurance. This includes:

  • Retail unit landlords
  • Industrial and warehouse landlords
  • Office space providers
  • Mixed-use property owners
  • Private companies leasing to commercial enterprises

Landlords with multiple tenants across different business sectors may also require tailored cover to manage complex risks.

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What Can Commercial Landlord Insurance Cover?

The cover available through brokers can often be tailored to your needs, including protection for:

Buildings Insurance

Covering the physical structure of the property against events such as fire, flood, storm damage, vandalism, or accidental damage.

Loss of Rent

If your property becomes uninhabitable due to an insured event, loss of rent cover could provide compensation for lost income during the period of repair.

Property Owners’ Liability

This can help protect against claims if someone is injured or their property is damaged due to negligence linked to the premises.

Landlord Contents Insurance

Covers fixtures, fittings, and furnishings that belong to you, not the tenant.

Legal Expenses Cover

May assist with legal costs associated with disputes, such as evictions or recovery of unpaid rent.

Employers’ Liability Insurance

If you employ maintenance staff or caretakers, this cover could be a legal requirement.

Terrorism Cover

Optional protection against damage caused by acts of terrorism.

FAQs

It is not legally required, but certain types of cover, such as employers’ liability (if you have staff), may be compulsory. Mortgage providers may also insist on buildings cover as a condition of lending.

Yes, cover is often available for buildings with both residential and commercial units, such as shops with flats above.

Yes, insurers may assess the nature of your tenants’ business when calculating risk and premium levels.

  • Rebuild cost accuracy: Underestimating rebuild value could lead to underinsurance.
  • Tenant type: Higher risk businesses may affect premiums.
  • Security features: Alarms and shutters can sometimes reduce your risk rating.
  • Lease structure: Triple net vs full repairing and insuring leases may influence cover requirements.

Empty properties can present increased risks, including vandalism and undetected damage. Some policies could extend cover for unoccupied periods, but limits may apply. Always check with a broker for the most suitable option if your property is likely to be vacant for any length of time.

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Helpful Articles & Updates

Essential resources and insurance guidance for commercial landlords to protect their property and tenants.