Commercial Property Insurance

What is Commercial Property Insurance & why do I need it?

Commercial Property Insurance or Business Insurance is essential for every organisatio even if you rent/own your building or run your business from home.  The typical policy will cover the buildings and it’s contents as well as everything in the grounds of the buildings including your business sign.

It will normally cover public liability (3^rd party) as well as Employer’s Liability which is a legal requirement in the UK.  With typical liability cover from 5 million you will be able to satisfy the legal requirements as well as reassure your customers that you are covered when it comes to work with them.  With Commercial Property Insurance from Property Insurance Centre you will also have protection for your assets from fire, explosions, escape of water (from pipes, etc), storms, theft and from damage caused by vandalism.

How much does it typically cost?

It does depend on the location of your business, your claims history, the cost of rebuilding, the type of business that you run, the cost of assets in the business and factors such as the number of employees that you have.  We can provide cover from £220.

We have over 40 years of experience and access to the major UK insurers that means that we can do all the searching for you.  Giving you peace of mind that you have the best cover and rates in the UK.  We also have a dedicated new business team and as a client of ours you will have a dedicated account manager who will look after any queries you have regarding your policy.

We also offer cover for loss or rent which will cover your losses of rental income while your building is under restoration after a valid claim has been made under your insurance.  This loss of rent cover can be changed to cover various periods of inoccupancy such as 12, 24 or even 36 months.

Commercial Property Insurance also includes landlords who own the buildings but rent out to business owners.  As a landlord typical cover will be for the buildings and surrounding land that you own and the responsibility for contents and employee liability will be covered by your tenants own business insurance policy.

Under this type of policy you can add additional protection for accidental damage, legal expenses and malicious damage by your tenants.

We also have access to specialist insurance underwriters so even if the premises are built from non-standard materials give us a call on 0800 085 3761 to find out what we can do for you.  We are also pleased to offer great rates on Unoccupied Commercial Insurance as well.

Property Insurance Centre have offices that cover Northern Ireland at 4 Donaghadee Road, Newtownards, Co. Down, BT23 7ET and also London based at 10th-15th Floor, 88 Wood Street, London, EC2V 7RS.