Commercial Property Insurance
Focus Insurance arranges commercial property insurance for owners of retail units, offices, industrial premises, warehouses, and mixed-use properties across the UK. Speak to our team on 01733 263311, Monday to Friday, 9am to 5pm.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.
What Does Commercial Property Insurance Cover?
A commercial property policy protects the structure of your premises, your liability as a property owner, and your rental income — all under a single arrangement.
Buildings Cover
Protection for the full structure of the commercial premises against fire, flood, storm, escape of water, and other insured perils.
Property Owners' Liability
Cover for your legal liability as the property owner for injury or damage to tenants, visitors, and third parties.
Loss of Rent
Covers lost rental income if the property becomes unusable following an insured event.
Unoccupied Property Cover
Cover during void periods between tenancies — standard policies may restrict cover after 30 to 60 days of unoccupancy.
Mixed-Use Properties
Single policy cover for properties with both commercial and residential elements — for example, a shop with flats above.
Subsidence Cover
Cover for ground movement and subsidence — important for older commercial buildings and those on certain soil types.
Why Choose Focus Insurance?
As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.
Specialist Insurers
Access to insurers with experience in commercial landlord and property owners risks.
Personal Service
Speak directly with experienced brokers who understand commercial property risk.
Renewal Support
We review your cover at renewal and approach the market to seek competitive terms.
Claims Advocacy
We support you through the claims process during business hours, acting as your advocate.
Is This Cover Right for You?
This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:
- You own retail units, shops, or commercial premises
- You own office buildings or business parks
- You own industrial, warehouse, or storage premises
- You own mixed-use properties with commercial and residential elements
- You have a commercial property that is currently unoccupied
- You want to review whether your current cover reflects reinstatement costs
What We'll Need for Your Quote
- 1Full address and postcode of the property
- 2Type of commercial use and tenant details
- 3Year of construction and construction type
- 4Current sum insured or reinstatement valuation
- 5Claims history for the past three to five years
Frequently Asked Questions
What is commercial property insurance?
What types of commercial property can be insured?
Does commercial property insurance cover unoccupied premises?
What is property owners' liability insurance?
Can I insure a mixed-use property under a commercial property policy?
How do I arrange commercial property insurance through Focus Insurance?
Looking for a complete overview of this insurance type?
Property Owners Insurance — Full RangeUnoccupied Commercial Property
One of the most common issues we encounter with commercial property insurance is the impact of unoccupancy on cover. Most standard commercial property policies include an unoccupancy clause — after a set period (typically 30 to 60 days), certain covers may be reduced or suspended. This can affect landlords during void periods between tenancies, refurbishment works, or when a property is proving difficult to let.
Important: Always notify your broker if your commercial property becomes vacant. Failure to do so could affect the validity of your cover. Specialist unoccupied commercial property insurance may be more appropriate for extended vacancy periods.
Mixed-Use Properties
Mixed-use properties — such as a retail unit on the ground floor with residential flats above — present a specific insurance challenge. It is important to disclose all uses of the property to your insurer or broker. In many cases, a single commercial property policy can cover both the commercial and residential elements, simplifying administration and ensuring consistent cover terms.
Information provided for general guidance only. Cover is subject to underwriting, insurer terms and acceptance. Terms and conditions apply. Focus Insurance Services is a trading name of Captios Limited, authorised and regulated by the Financial Conduct Authority (FCA Registration No. 717691). Registered in England and Wales, Company No. 09620500.
Ready to Discuss Your Insurance Needs?
Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.
Monday – Friday, 9:00am – 5:00pm