Business Building Insurance

Securing commercial building insurance is a fundamental step for any business that owns or is responsible for commercial property. Whether the building is used for retail, hospitality, warehousing, manufacturing or professional services, unforeseen damage to your premises could result in serious financial disruption. As a broker, we can help you find policies designed to help protect against risks such as fire, flooding, vandalism and more.
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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 Use a Broker for Business Building Insurance?

Access to leading UK product liability insurance providers
Competitive pricing and multiple quote options
Flexible cover limits and optional extras
Support from experienced UK-based advisers
Competitive pricing and multiple quote options
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What is Business Building Insurance?

Business building insurance (also referred to as commercial buildings insurance) helps cover the cost of repairing or rebuilding your premises in the event of damage from events such as:

  • Fire or explosion
  • Flooding and storm damage
  • Vandalism or malicious damage
  • Burst pipes or escape of water
  • Subsidence
  • Impact damage (e.g. vehicles or falling trees)

If your business owns the premises or is contractually responsible for its upkeep, having suitable building insurance in place could be a requirement of your mortgage lender or lease agreement.

Who Might Need Commercial Buildings Insurance?

This type of insurance could be suitable for:

If you’re unsure whether you’re responsible for insuring the property, it’s advisable to check the terms of your lease or mortgage agreement.

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What Does Business Building Insurance Cover?

Most commercial building policies we help arrange could include:

  • Cost of rebuilding or repair of structural damage
  • Professional fees such as architects or surveyors
  • Debris removal and site clearance
  • Costs related to compliance with local authority regulations
  • Loss of rent if the property becomes uninhabitable due to an insured event

Optional cover extensions could include:

  • Terrorism cover
  • Glass and signage replacement
  • Underground services protection
  • Alternative accommodation costs
What’s Not Usually Covered?

While policies vary, exclusions could include:

  • General wear and tear or lack of maintenance
  • Damage caused gradually (e.g. damp or dry rot)
  • Equipment, stock or personal belongings (usually covered under contents insurance)
  • Deliberate damage caused by the policyholder

It’s important to review the terms of any policy to ensure it suits your property type and business needs.

FAQs

It covers damage to your business premises from events like fire, flood, storms, vandalism, and accidental damage. This includes the structure, walls, roof, and permanent fixtures.

Usually, landlords insure the building, but it’s best to check your lease. If you’re responsible for repairs or alterations, you may need cover.

Yes, most policies include fire, flood, and storm damage as standard. Always review the terms to ensure these risks are covered.

Yes, business buildings insurance typically covers structural repairs to walls, roof, floors, and permanent fixtures after insured damage.

Rebuild cost is based on what it would cost to completely rebuild the property, including materials, labour, and professional fees. A chartered surveyor can help provide an accurate valuation.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Understand the ins and outs of business buildings insurance with tips, guides, and expert advice to protect your premises.