Commercial Property Insurance

Owning or managing commercial property comes with significant responsibilities. Whether you lease offices, run retail units, or let industrial premises, unexpected risks like fire, flood, or tenant damage could result in major financial loss.

Commercial property insurance ensures your buildings, tenants, and income are protected, so you can safeguard your investment and focus on running your business.
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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 Insurance Revolution for Commercial Property Insurance?

Specialist Expertise: We understand the risks of owning or managing commercial property.
Tailored Cover: Policies built to protect your premises, tenants, and income.
Competitive Quotes: Access to a panel of trusted UK insurers.
Fast & Hassle-Free Setup: Cover can often be arranged the same day.
Flexible Payments: Spread the cost with affordable monthly instalments.
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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.

FAQs

While not a legal requirement, most mortgage lenders and commercial landlords require buildings insurance as a condition of ownership.

Commercial property insurance protects the building itself, while commercial landlord insurance extends to cover rental income, tenant disputes, and liability risks.

Yes. A commercial property portfolio can be covered under a single policy for ease and cost efficiency.

Standard policies may not cover vacant properties, but we can arrange specialist unoccupied property insurance if required.

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OR CALL 0330 054 0545
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