What is commercial landlord insurance?

Commercial landlord insurance is designed for property owners who let commercial premises such as offices, retail units, warehouses, or industrial properties to business tenants. It typically covers the building, loss of rent, and property owners’ liability.

Is commercial landlord insurance different from residential landlord insurance?

Yes. Commercial landlord insurance is specifically designed for properties let to business tenants. The risks, lease structures, and cover requirements differ significantly from residential lettings, and specialist commercial cover is required.

What types of commercial property can be covered?

Commercial landlord insurance can cover retail units, office buildings, industrial and warehouse premises, mixed-use properties, business parks, and leisure or hospitality premises. Cover is subject to individual underwriting assessment.

Do I need commercial landlord insurance if my tenant has their own insurance?

Yes. Your tenant’s insurance covers their own business assets and liabilities, not the building itself. As the property owner, you are responsible for arranging buildings insurance and property owners’ liability cover.

What happens if my commercial property is empty between tenancies?

Most commercial landlord policies restrict cover when a property is unoccupied, typically after 30 to 60 days. You should notify your insurer and consider specialist unoccupied commercial property insurance for extended vacant periods.

Commercial Landlord Insurance

Commercial landlord insurance for owners of retail, office, and industrial premises let to business tenants. Specialist cover arranged by FCA-regulated brokers.

Cover is subject to underwriting, insurer terms and acceptance