Commercial landlord insurance covers the buildings and liabilities associated with letting commercial property, including offices, retail units, and industrial premises. This guide explains what cover is available and how to arrange a suitable policy.
Commercial landlord insurance is a specialist policy for landlords who let commercial property, such as offices, retail units, warehouses, and industrial premises. It typically covers the buildings structure, landlord liability, and loss of rent. Cover is subject to underwriting, insurer terms and acceptance.
Yes. Commercial property carries different risks to residential property. Insurers assess the type of commercial use, the tenant's trade, and the condition of the premises when underwriting a commercial landlord policy.
Commercial landlord insurance typically covers buildings, landlord liability, loss of rent, and legal expenses. Some policies include engineering inspection, terrorism cover, and environmental liability. Cover is subject to underwriting, insurer terms and acceptance.
Yes. Insurers require the sum insured to reflect the full reinstatement cost, including demolition and professional fees. An under-insured property risks a proportional reduction in any claim settlement. We recommend a professional reinstatement valuation every three to five years.
Call us on 01733 263311 or request a call-back. Our brokers will discuss your property type, tenancy arrangements, and cover requirements before approaching the market on your behalf.
Cover is subject to underwriting, insurer terms and acceptance