Buildings and landlord contents
The structure, plus owner’s fixtures and fittings (carpets, fitted kitchens, fixed equipment), insured on a reinstatement basis.
e.g. A retail unit damaged by tenant-side kitchen fire, buildings rebuild covered.
Commercial landlord cover
Commercial Landlord Insurance
Cover for property owners letting offices, retail units and industrial premises, buildings, loss of rent, property owners’ liability and legal cover packaged together.
Speak to our experts todayFCA regulated, secure submission
What it covers
Cover structured around the landlord, not the occupier.
Commercial landlord insurance is shaped around the owner’s exposures, the buildings, the rent stream, and the third-party risk that comes with hosting a business tenant.
Loss of rent
When premises become unusable after an insured event, this pays the rent the landlord would have received during the rebuild. Indemnity period of 12-36 months.
e.g. A small office let to a consultancy, out of action for 8 months after flood, rent paid through the void.
Property owners’ liability
Third-party injury or damage occurring at the let premises. Standard £1m-£5m cover, scaled by tenant type and footfall.
e.g. A visitor slips on a worn staircase in a let office; the PL element responds for the landlord.
Property types we cover
Landlord commercial property insurance across the UK market.
The property types we most commonly place landlord cover for.
Office buildings
Multi-let and single-let office premises across UK cities.
Retail units
High-street shops, parade retail and shopping-centre units.
Industrial units
Light industrial, warehousing and trade premises.
Leisure premises
Gyms, salons, restaurants and pubs let to operators.
Mixed-use buildings
Ground-floor retail with residential above, common in town and city centres.
Workshop space
Mechanic, MOT and trade workshop units let to motor businesses.
Storage and self-storage
Self-storage facilities let to customers, container parks, storage units.
Portfolio landlords
Owners with multiple commercial properties on a single schedule.
Whether you own a single retail unit or a portfolio of mixed commercial properties, the policy structure adapts. Single renewal, named broker, and reinstatement valuations reviewed before each renewal to avoid underinsurance.
When you are ready
Our experts take it from there.
Tell us about the property and tenant. Specialist commercial landlord markets, including portfolio cover and unoccupied premises.
Frequently asked
Questions before you click submit.
The questions we hear most often from commercial landlords.
Anyone owning a commercial property let to business tenants, offices, shops, warehouses, industrial units, leisure premises, mixed-use buildings. The cover is structured around the owner's exposures rather than the occupier's.
Cannot see your question? Speak to our team on 01782 739099.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 yrs experience
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits your property.
● Cover that often sits alongside this
Ready when you are
Buildings, rent, liability, one schedule.
Tell us about the property. Terms back from a specialist landlord panel. Your named broker on the file from day one.
Specialist landlord panelNamed broker, day one