Commercial Property Insurance UK

At UK Sure, we can help arrange Commercial Property Insurance for a range of property types and circumstances. Whether you own one commercial property, manage a portfolio or have a property with more complex characteristics, we can help you explore suitable insurance options.

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Commercial Property Portfolios

If you own multiple commercial properties, you may be able to place your portfolio under one policy. This can bring your properties together with one renewal date, reference number and price, while giving you one company to deal with for your insurance.

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Single & Multi-Location Properties

Commercial Property Insurance can be arranged for single-location or multi-location property risks. Cover is available for risks of up to £10 million insured per location, subject to the terms and eligibility of the policy.

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Occupied Properties

We can offer insurance for commercial properties that are occupied and used for business purposes. Cover can be considered for a wide range of eligible trades, with more than 2,000 eligible trades available for quotation.

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Unoccupied Properties

Unoccupied commercial properties can present different insurance requirements from occupied premises. UK Sure can help you explore Commercial Property Insurance options for unoccupied buildings, subject to the insurer's eligibility and policy terms.

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Mixed-Use Properties

Properties combining different uses can require a more specialist approach to insurance. We can help arrange cover for mixed-use and multi-tenure properties, depending on the characteristics of the property and the risks involved.

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Non-Standard Properties

Non-standard commercial properties may require specialist insurance rather than a standard commercial property policy. UK Sure can help you explore options for non-standard properties within the insurers available through our network.

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Residential & Multi-Tenure Properties

The original product range includes residential and multi-tenure buildings alongside commercial property risks. We can help you explore available insurance options based on the property's use and individual requirements.

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Properties for a Wide Range of Trades

We can quote for more than 2,000 eligible trades, providing access to Commercial Property Insurance options for a wide range of business activities and property uses.

Commercial Property Insurance can be arranged to reflect different property risks and insurance requirements. Depending on the policy selected, cover can include the building, contents, business interruption, stock and equipment, with options for Loss of Rent, Property Owners' Liability, Legal Expenses, Terrorism, Employers' Liability and Cyber Cover. Cover is subject to the terms, conditions and eligibility of the policy.

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Buildings Insurance

Buildings Insurance covers the cost of repairing or rebuilding your business premises if damaged or destroyed by an insured event. Cover can include risks such as falling trees, burst pipes and escape of water, fire, flooding, riots, storms, subsidence and theft. Buildings Insurance should be based on the property's rebuild cost rather than its sale price or current market value. If you own the premises, it can help protect against repair or rebuilding costs; if you rent them, building insurance is generally the landlord's responsibility, although you may need Contents Insurance for your own stock and equipment.

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Contents Insurance

Contents Insurance can help cover the cost of replacing business stock or equipment if damaged or stolen, subject to the policy terms. Stock should be insured at its cost price rather than its sale price, and cover should reflect periods when stock levels are higher than usual. Business equipment can be insured on a Replacement as New basis, replacing stolen or irreparably damaged items with new ones, or on an Indemnity basis, which takes wear and tear into account and covers items at their current value.

 

Business Interruption

Business Interruption Insurance can help if you cannot operate your business as normal following an event that damages your premises or equipment. It can cover a shortfall in pre-tax profits resulting from the event and increased business running costs, such as additional accountants' fees, subject to the policy terms.

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Stock & Equipment Cover

Stock and equipment can be insured against damage or theft through the relevant contents cover. Accurate valuations are important when arranging this protection, particularly where stock levels increase during certain periods.

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Loss of Rent Insurance

Loss of Rent Insurance can help protect rental income if an insured loss makes a commercial property uninhabitable while repairs are carried out. It can also help cover the cost of alternative premises for your tenant, with the period of cover tailored to the nature of the property for up to 36 months, subject to the policy terms.

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Property Owners' Liability Insurance

Property Owners' Liability Insurance can protect against claims for third-party injury or damage to third-party property resulting from negligence relating to a property you are responsible for. The required coverage limit can be discussed when arranging the policy.

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Commercial Legal Expenses

Legal Expenses Cover is available as an option for Commercial Property Insurance and can be selected as additional protection for eligible commercial property risks, subject to the policy terms.

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Terrorism Cover

Terrorism Cover is available as an option for Commercial Property Insurance. Standard building insurance policies usually exclude damage caused by terrorism, while specialist insurers can provide terrorism cover for commercial properties for an additional premium.

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Employers' Liability

Employers' Liability is available as a cover option within the commercial property insurance offering, subject to the policy selected.

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Cyber Cover

Cyber Cover is available as an optional cover, while policies include a cyber helpline and ID Fraud cover, subject to the policy terms.