From Office Blocks to Warehouses, from Factories to  Churches, We Can Insure Them All.

Commercial Property Insurance

No one can predict the future, but we can protect it.

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Commercial Property Insurance

From office blocks to warehouses to flats to factories, we can provide cover for your property. We provide cover for the property itself, plus your liability attaching to ownership of the property and any loss of rent due to you following any damage to your property.

To ensure your property is covered for the correct sum insured you must calculate the rebuilding cost of the property plus the cost of removal of any debris following damage to your existing property and any consultants fees which may be involved with the rebuild, eg architects fees. Our brokers can help you do this
There are two types of policies available to cover perils: a named-perils policy, which covers losses resulting from only those perils the policy names, and an all-risk policy which offers coverage for all perils except those specifically named. Unless you specify otherwise we will always recommend an all risks policy for the peace of mind it brings.

Remember that if you own a building you are responsible for any damage or injury caused by that building, eg a falling tile. You need Property Owners Liability insurance to indemnify you against any claim made against you.
Finally what is the likely loss of rent you would suffer following damage to your building? Depending on how long your property would take to rebuild this could become a major proportion of any loss.

We can give advice on installing burglar alarms, fire extinguishers, smoke alarms, and fire doors. These measures can result in premium savings. But before beginning any major work, we will compare the costs involved with potential savings

FAQs

Got a question? We’re here to help.
  • What is Property Owners Liability Insurance ?

    In the event that you are liable for the bodily injury or death of a person on your property, Property Owners Liability Insurance can protect the losses you may have to face. This does not include employees. 

  • What is my Buildings Sum Insured ?

    These are readily available on Mortgage Valuation Reports or Surveyors Reports.  It should be the rebuild cost of your property plus costs to remove  debris and architect and other professional  fees.

  • How do I determine what my rebuild cost is ?

    You could have a surveyor evaluate your property and it's rebuild cost. Alternatively if you took out a mortgage,  its likely your mortgage lender would have already had this done for you for insurance purposes.

  • Should I have Terrorism cover ?

    Terrorism cover is not automatically included in Property Owners policies so if you want your property to be covered in the event that somebody with political or religious views purposely carries out an act to damage  your property, you should take out terrorism cover. 

  • What happens when my tenants leave the property ?

    It is important to notify us as soon as this happens, this means that the property is unoccupied and you would need to update your policy to an "unoccupied property policy" until the premises has tenants in again. We have a suitable range of insurance policies to suit these circumstances. 

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