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Commercial Property Insurance

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I want to insure an occupied commercial property

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Commercial property insurance

Commercial property insurance is a policy that covers risk of loss to an organisation or individual’s business premises (buildings) or property. This cover is also available for mixed commercial and residential property (for example, where you have a shop on the ground floor and a residential flat above).

Because there are a wide range of commercial buildings insurance solutions available, it is essential that you choose the correct insurance product for you and your business. 

What does commercial property insurance cover?

Commercial property insurance is designed to cover the rebuild or repair costs of the building itself. It may typically offer protection in the event of:

  • Burst pipes
  • Flood
  • Fire
  • Riots
  • Storms
  • Subsidence
  • Theft

Additional optional extensions to the standard commercial property insurance typically might include:

  • Accidental damage
  • Vandalism
  • Legal expenses insurance
  • Loss of rent cover
  • Landlord contents
  • Commercial contents
  • Terrorism

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How much does commercial property insurance cost?

The cost of commercial property insurance varies and depends on many different factors. Typically, these include – but are not limited to – the following:

  • The age of the property and the types of locks and other security measures in place.
  • The type of tenants in your property.
  • The level of cover you require. For example, whether you need a standard buildings insurance policy that covers basic perils or a policy that covers all liability risks, goods in transit, loss of rent insurance, professional indemnity or product liability.
  • The type of commercial property you own and whether it’s in an area prone to flooding or if it’s a listed building that would be harder to repair.
  • The number of properties you want to insure.
  • Your claims history. If you’ve claimed on your property insurance in the last five years, you must let your insurance provider know.

It’s a good idea to compare a few different quotes for commercial property insurance to find the most cost-effective price and suitable policy for your needs.

That’s where we come in. We can offer you multiple quotes from leading UK insurers for commercial property insurance and commercial landlord insurance.

Why choose UKinsuranceNET for your commercial property insurance?

UKinsuranceNET has been an online broker since 2001. We have provided insurance for commercial property for thousands of satisfied clients. Many risks that we cover are for commercial landlords, although we do have a significant owner-occupied portfolio.

At UKinsuranceNET, we offer:

  • Over 20 years’ industry experience.
  • Flexibility – You can pick and choose which elements of cover you need.
  • Fixtures and fittings included as standard.
  • Flexible payment options – Monthly instalments are available if required (interest applies to this option).
  • Policies from A-rated insurers. 
  • Commercial property insurance solutions for both mixed residential and commercial properties.

We work with several leading UK commercial buildings insurance companies, such as AXA, NIG and Zurich. This ensures that you receive the most appropriate cover from a respected brand and at a competitive price.

Whatever your business premises insurance needs, we will always endeavour to find the most cost-efficient and appropriate protection for you.

If you have any questions, please do not hesitate to give us a telephone call and ask an experienced member of our team. We will be delighted to help!


Get an instant online quote in minutes. If you'd prefer to talk, call us on 01325 346328