Commercial Property Owners

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Guide to cover

From Offices to Warehouses...

Buildings and Contents Insurance protects your business in the event that your property is damaged or destroyed by anything from storm, fire, flood to malicious damage, riot and explosion.

Even if you don’t own your building that you run your business from, you can have contents insurance as a standalone policy to protect all of the things that you do own.

Property owners’ liability insurance protects property owners from claims made against them in respect of their legal liability for personal injury to another or damage to another’s property as a result of negligence arising from the property you are legally responsible for.

Please call us on 01962 774421 if you would like to discuss your insurance. Alternatively, if your renewal date isn’t within 60 days, please complete our form Renewal Date by clicking the button below and we will get in touch with you closer to the time.

Renewal Date

Available Cover

  • Buildings and Contents Cover

    Against unforeseen events such as fire, storm, flood and malicious damage. Subsidence can be included.

  • Electronic Equipment and Computer Cover

    Including portable electronics taken off the business premises.

  • Accidental Damage

  • Property Owners Liability

    Legal, defence and compensation costs.

  • Loss of Rent

    If you rent out a commercial property to tenants.


Do I need Property Owners Liability Insurance?

As a property owner you have a legal responsibility to ensure the property is maintained and safe. This essential line of cover protects property owners from claims made against them in respect of their legal liability for injury to another or damage to another’s property. For example, the postman comes to deliver your post, a tile is loose, falls and injures him. As a property owner you are responsible for the property including the tile in turn, making you responsible for the postman’s injury.

Do you provide cover for Listed Buildings?

Yes, we have a range of insurers who accommodate listed buildings.

How can I get an accurate value on my Building and Contents?

When insurers talk about reinstatement value, it’s not just about rebuilding the building itself, it has to include other costs such as debris removal, architect fees and modern materials. If you are not sure if your sum insured reflects the true reinstatement value of your property, we recommend contacting a surveyor. All of our policies are index linked ensuring your reinstatement value reflects current market costs.

What is Business Interruption and how is it relevant to this line of cover?

Following a loss of equipment or premises, a business may not be able to trade as normal or even at all. Rebuilding is timely which has a direct impact on the business financially especially if they are unable to trade in that time.

Business Interruption Insurance covers the covers financial losses that are a direct consequence of the interruption, such as loss of revenue, loss of rental income and additional working costs.

If you are a property owner but do not trade from your building and/or hire the building to another business and the building was to burn down, this would incur a loss of rent during the rebuild period. There could also be a loss incurred while you are trying to find a new tenant as the old tenant has moved to another premises. Loss of rent would cover these costs.

How do I know if I'm responsible for the Buildings Insurance?

If you rent or lease a commercial building you may or may not be responsible for insuring the building. That depends on the contractual agreement you have with your landlord or the property owner. Clarify exactly what you are responsible for insuring.

What is a Commercial Combined Insurance Policy?

Commercial Combined Insurance is a single policy specifically designed to protect your business against the risks associated with the day to day running of it.


Always on hand to provide you with information, advice and guidance.

01962 774421

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