What Is Commercial Property Insurance?

Commercial property insurance (sometimes called commercial premises insurance) is designed to protect buildings used for business purposes. It typically covers the structure, fixtures, and fittings of your property against risks like fire, flood, storm, and vandalism. Policies can also include commercial landlord insurance, covering loss of rent and liability if you let your property to tenants.

Who needs Commercial Property Insurance?

This type of cover is essential for:

• Commercial landlords renting offices, shops, or industrial premises

• Businesses that own their own buildings

• Property investors with mixed commercial portfolios

• Developers with completed but tenanted properties

Why Do You Need Commercial Property Insurance?

Without the right protection in place, one incident could cause huge losses. Commercial building insurance helps you:

• Protect your asset from structural damage caused by fire, flood, or storm

• Safeguard rental income with loss of rent cover

• Meet legal and contractual obligations with landlord liability protection

• Cover fixtures and fittings within your property

• Provide peace of mind for both you and your tenants

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What Does Commercial Property Insurance Cover?

A tailored policy may include:

1. Buildings Insurance – Covers the property structure against fire, flood, storm, or vandalism.

2. Landlord Insurance – Protects against tenant damage and loss of rent.

3. Public Liability Insurance – Covers claims if someone is injured on your property.

4. Employers’ Liability Insurance – A legal requirement if you employ staff for property management.

5. Contents & Fixtures Cover – Protects fixtures, fittings, and equipment in the building.

6. Loss of Rent Insurance – Provides income cover if tenants cannot occupy the property due to an insured event.

7. Legal Expenses Cover – Assists with tenant disputes or property-related claims.