Commercial Premises
Commercial property is underwritten around the building and what happens inside it. An office let to a single tenant on a full repairing lease is a very different risk from a car park open to the public, a dental practice full of specialist equipment or a data centre whose cooling has to run without interruption.
For an investor the main concerns are usually the reinstatement value, the rent that stops if the building is damaged and liability to people using it. For an owner-occupier, contents, equipment and the income of the business itself often matter just as much, and the right cover depends on which of those you are.
Choose your property type
Commercial Property
Insurance for owners of let commercial property: buildings cover, property owners liability, loss of rent and the tenant's trade as the underwriting question.
Read moreOffices
Insurance for office buildings and office blocks: buildings cover, escape of water, loss of rent, common parts liability and cover for periods of low occupancy.
Read moreRetail & Shops
Insurance for owners of shops and retail premises: glass, shop fronts, ground floor exposure, tenant trade and flats above the shop.
Read moreIndustrial Units & Warehouses
Insurance for owners of industrial units and warehouses: fire loading, composite panels, sprinklers, racking, occupancy and multi let estates.
Read moreMixed-Use Property
Insurance for mixed-use buildings with commercial below and flats above: fire separation, the occupier's trade, separate access and cover for both parts.
Read moreMedical Centres & Dental Surgeries
Property insurance for medical centres, dental practices and private clinics: buildings, specialist equipment, medicine spoilage, loss of income and how it differs from clinical malpractice cover.
Read moreData Centres & Server Facilities
Insurance for data centres and server facilities: buildings and critical plant, gas suppression, cooling and power failure, colocation customers' equipment and business interruption.
Read moreCar Parks & Parking Structures
Insurance for multi-storey, underground and privately operated car parks: vehicle fires, concrete condition, pedestrian liability, customers' vehicles, barrier equipment and loss of parking income.
Read moreStorage & Self-Storage
Insurance for storage and self-storage facilities: goods belonging to others, unknown contents, fire loading, access control and customers' own cover.
Read moreGarages & Workshops
Insurance for garages and workshops: customers' vehicles in your custody, road risks, hot work and spraying, ramps and lifting equipment, and fuel.
Read moreNot sure which page fits?
Plenty of businesses do more than one thing. Tell us what you actually do and we will work out the cover around it. Call 01304 262880, or email us with a phone number and the best time to call and a broker will ring you back.