As a commercial property owner, you will need an insurance policy to cover your commercial buildings. If you own shops, offices, a surgery, hotel, leisure complex or run a registered business from home you will need commercial property insurance.
Benefits are:
Insurance for different commercial buildings as shops, restaurants, factories, hotels etc
Tailored insurance products
Competitively priced
Option to combine residential and commercial properties
The Alan Boswell Group Difference
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.
Mr & Mrs Ireland - Property Owners Insurance
Property Owners Insurance in detail
We offer a range of policies with varying levels of cover, including:
Property Insurance
A wide definition of buildings that can extend to include common areas, landscaping, solar panels, wind turbines and domestic white goods. Numerous extensions included as standard and tailored to the property industries.
Business Interruption
Cover for loss of rent following property damage, as well as for the cost of alternative accommodation for residential units within your portfolio. There is a variety of extensions to supplement core covers.
Property Owners Liability
Protects your legal liabilities towards third parties e.g. slip, trip or fall whilst on property.
Engineering Damage
This policy can provide cover to surrounding property if any machinery or plant causes damage. We can also offer specific policy enhancements, such as working or repair investigation costs, to ensure you're well insured.
Property Owners Liability up to £10million
Protects your legal liabilities towards third parties e.g. slip, trip or fall or other injury whilst on the property.
Optional extras
Legal Expenses including commercial property disputes
Protection in the event of a legal dispute with your Tenant. This includes a dispute over maintenance of your property, repossessing your property and recovering outstanding rent due to you.
Contents and fixtures and fittings
If you have provided contents to your tenant or, have fitted the building yourself to suit their specific trade.
Subsidence
fees and costs in relation to subsidence, ground heave or landslip
Terrorism Insurance
protection against the potential exposure of a terrorist attack
Employers Liability
If you employ someone to carry out work at your property you will need protection in the event of injury.
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.
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