As a commercial property owner, you will need an insurance policy to cover your commercial buildings. If you own shops, offices, a home run business, a surgery, hotels, leisure complex or run a registered business as a professional landlord you will need commercial property insurance.
The insurance requirements for commercial properties are picked up by the owner of the commercial property. There are significant differences between how residential and commercial property insurance is arranged, and it is essential that you have expert advice when purchasing your insurance cover for these busy premises. You will need a different insurance policy if your own an unoccupied commercial property.
Benefits of commercial property insurance are:
Investment in commercial property is a serious business – protecting your investment is equally serious and requires an insurance broker who understands your needs and knows what issues you may face. Whether you require cover for commercial, mixed-use or unoccupied property our property experts are on hand to discuss your insurance needs. With more than 25 years’ experience in the Commercial Property Sector, our dedicated team are perfectly placed to swiftly deliver your Commercial Property Insurance needs.
Friendly efficient service easy to do business with.
We offer a range of policies with various levels of cover, including:
If you are a property owner and you have a change of tenant or processes undertaken within the property you will need to inform your insurance provider. Failure to do this could invalidate any claim.
It is important to make your insurance provider aware if there will be any periods of unoccupancy to ensure the property is covered correctly whilst unoccupied. Again failure to inform your insurance provider could invalidate your insurance.
There is no legal requirement to do so, but any companies providing finance for you may have this as a condition of the finance.
Yes if your business owns the property and you operate from there. If you are solely a landlord then you will require property owners insurance. If you are the tenant you would not have an insurable interest and would not usually be able to insure the building unless you have been made responsible to do so under conditions of the lease.
Yes we can provide this service.
Yes this is no problem, our experts will understand your risk and advise on suitable products for your needs.
Yes, although the applicable excesses will vary from policy to policy. In some instances it is possible to increase your excess to obtain a premium discount.
Account Executive - Commercial Clients
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Account Executive - Commercial
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Cover for properties that are unoccupied or that are being renovated.
What is commercial property insurance and what does it cover?