Commercial landlord insurance

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Flexible, comprehensive commercial landlords insurance cover

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Benefits

  • We cover most business types
  • Up to 35% no claims discount available
  • Tenant type generally not an issue
  • Up to £250,000 loss of rent cover as standard
  • Flexible, comprehensive cover
  • Security of A rated insurers

Commercial landlord insurance

 There are many things you may need to worry about if you are the landlord of commercial property – not least:

  • safeguarding the physical structure and fabric of the premises, together with any contents you may own; and
  • indemnity against the various liabilities which come with the role of a landlord.

Why do you need commercial landlord insurance?

Your investment in commercial property is likely to be substantial. But there are many risks and perils which might wreak serious damage or even raze it to the ground – threats such as fire, impacts (from falling trees, aeroplanes or vehicles), subsidence, explosions or earthquakes.

At the heart of any commercial landlord insurance, therefore, is likely to be protection against all or at least some of these risks.

Even though you may have granted a lease or tenancy to another business for the use of your property, you may still have equipment, fittings and other contents which also need to be safeguarded by such cover.

As the property owner, you have a general duty of care towards visitors to the premises and members of the public to prevent their being injured or having their property damaged in any way connected with your ownership of the property. Public liability cover needs to be included in your insurance package, therefore.

You also have a particular duty of care towards your tenants and need to take all reasonable steps to prevent their sustaining an injury or having their property damaged whilst using your premises.

A further and separate responsibility is towards any employees you might engage to help run the letting of your commercial premises. In practically every case, the law requires that you hold a minimum of £5 million employer's liability insurance in the event of their being injured or contracting an illness or other medical condition during their employment by you.

What you need to know when buying cover

The following are some of the questions you might want to ask before choosing your commercial landlord insurance provider:

  • are all types of commercial premises covered;

  • are all types of businesses conducted by your tenants also covered;

  • does cover continue whilst the premises are temporarily unoccupied;

  • do you receive compensation for loss of rental income if a major insured event leaves the premises temporarily unusable by your tenants;

  • do you have the freedom to spread the cost of the insurance premiums over the whole year, in monthly instalments 

Why choose us?

Choose your commercial landlord insurance from us here at UKinsuranceNET and you are likely to find that the answer to all such questions is a resounding ‘yes’.

Not only are we able to tailor cover to meet your particular needs and requirements as the landlord of commercial property, but the policies we find come at what you are likely to consider a very competitive price.