Cover for occupied commercial premises you own and let out. Buildings, landlord contents, loss of rent and property owners’ liability, including mixed-use buildings with flats above.
As the owner you carry a specific set of risks: the fabric of the building, the rent it produces, the fixtures that stay when a tenant leaves, and responsibility to everyone who walks through the door.
Reconstruction cost for the premises, with professional fees and debris removal included in the sum insured. Accidental damage can be added to both buildings and contents.
e.g. A parade of shops needing structural repair and a new roof after a fire in one unit.
The items in the building that belong to you rather than your tenant. Fixtures, fittings, communal furnishings and anything you are legally responsible for under the lease.
e.g. Communal lighting, flooring and entry systems in a multi-let office building.
The rental income you lose while an insured event is put right. Commercial portions are covered in full, and residential units within a mixed-use building are covered up to 20 per cent of the building sum insured.
e.g. A mixed-use block where a ground-floor flood puts the shop and the flat above out of use for months.
Cover at £2m or £5m for injury or damage to third parties arising from the premises. Employers’ liability can be added if you employ caretaking, cleaning or maintenance staff.
e.g. A customer of your tenant injured by a defective communal stair in the building you own.
Cover is available across a broad range of tenant trades, with multiple occupiers at a single premises handled on one schedule.
Offices
Single-let and multi-let office premises.
Shops and retail units
High-street shops, parades and retail units.
Warehouses and manufacturing
Warehousing, light manufacturing and printing premises.
Restaurants and hotels
Food businesses, hotels and hospitality premises.
Pubs and clubs
Licensed premises let to an operator.
Surgeries and consulting rooms
Medical, dental and professional consulting premises.
Motor trade premises
Garages, workshops and motor trade units let to operators.
Mixed-use buildings
Commercial at ground level with residential units above.
Premises need to be occupied, in a good state of repair, free of subsidence history or underpinning, and not undergoing structural work. Tenancies should run for at least six months. Listed buildings, flat-roofed premises, properties at flood risk and anything with heavier hazardous processes fall outside the online criteria, so call us and a broker will place them in the specialist market instead.
Buy online for up to 15 occupied properties, or call if the building is listed, mixed in construction, or your tenant trade needs a closer look.
The questions we hear most often from commercial property owners.
Property owners insurance covers a commercial building from the owner’s point of view rather than the occupier’s. You are insuring the structure, the parts of it that belong to you, the rent it generates and your liability as owner. Your tenant insures their own stock, equipment and business interruption under their own policy.
Cannot see your question? Speak to our team on 01782 739099.
Why use a broker
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
Experienced team
Decades of combined commercial broking experience behind the firm.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the property.
● Cover that often sits alongside this
Ready when you are
Buildings, rent and liability on one schedule, across single premises or a portfolio. Buy online now, or let a broker place it.
