Home > Property Insurance > Commercial Property Insurance
Commercial Property Insurance
UK Sure can offer cover for a range of commercial properties from our trusted network of leading insurers!
You can place just one commercial property or a whole portfolio under one policy, including unoccupied, non-standard, residential, and mixed-use buildings.
For single or multi-location commercial property risks of up to £10m insured per location. We can quote for over 2,000 eligible trades, including multi-tenure properties.
Policies are available for 3, 6, or 12 months, all of which include a cyber helpline and ID Fraud cover. EL, Terrorism, Cyber, and Legal Expenses cover options are available.
Commercial Property Standard Cover
UK Sure provides tailored solutions to meet your needs, ensuring our range of commercial property insurance policies covers every situation. Here are just some scenarios where we can offer specialist coverage:
Cover your commercial property portfolio in one policy
We like to make life easier. By ensuring your whole commercial property portfolio is in one place, you'll get one renewal date, reference number, price, and only one company to deal with. Not only that, but it's likely to be cheaper for you, too. Call our specialist commercial property insurance team to discuss your options.
Commercial property owners' liability insurance
Property owners' liability insurance protects claims against you regarding damage to third-party property or injury to third-party persons as a result of negligence relating to the property you are responsible for. Can this be included in all the policies we provide? Just let us know the coverage limit you need.
Loss of rent insurance for commercial properties
If you experience an insured loss at the property, it may become uninhabitable while repairs are carried out. To protect you from losing out on rent or if you need to cover the cost of alternative premises for your tenant, this cover will reimburse you for the amount you would have earned from your tenants during the interruption period. The period of cover can be tailored to suit the nature of your property, up to 36 months.
Commercial fire and theft insurance for properties
A commercial property owner's insurance package will protect your business and its premises through property damage and liability insurance. It can include covers for buildings, landlord's contents, loss of rent, property owner, and employers' liability insurance. Commercial fire and theft insurance perils are also included, protecting against fire, electrical fire, arson, and break-ins.
What is commercial property insurance?
Commercial property insurance covers repairing or rebuilding your business premises or replacing your stock or equipment. It covers you against risks such as:
-
Falling trees
-
Burst pipes (escape of water)
-
Fire
-
Flooding
-
Riots
-
Storms
-
Subsidence
-
Theft
There are two main types of property insurance:
a) Buildings insurance covers repairing or rebuilding your business premises if damaged or destroyed.
Insurance is not required by law, but most mortgage providers insist that you take out a policy before giving you a loan.
Even if you own your business premises outright, you should still consider building insurance to cover you against the cost of repairs or rebuilding your property.
If you rent your business premises, building insurance is your landlord's responsibility – but you may consider taking out contents insurance to protect your stock and equipment.
You should always insure your business premises against the cost of rebuilding the property, not against its sale price or current market value.
Most building insurance policies will not cover you for:
-
General wear and tear – everyday things that happen to your property over time, such as carpets wearing thin
-
Acts of war or terrorism - Building insurance policies usually exclude damage caused by terrorism, but specialist insurers can provide cover for commercial properties for an extra premium. Cover for terrorism is supported by the Pool Re scheme, which provides government-backed funding to ensure that business owners are protected against losses from damage caused by acts of terrorism.
b) Contents insurance covers replacing your business's stock or equipment if damaged or stolen.
Valuing your stock and equipment.
If you are taking out contents insurance, you should ensure stock against its cost price, not its sale price. If you have more stock on your premises than usual, for example, in the run-up to Christmas, you should make sure your insurance covers this.
There are two types of contents insurance policies for business equipment:
-
Replacement as new policies replace an item stolen or damaged beyond repair with a new one.
-
Indemnity policies consider wear and tear, replacing your items at their current value. For example, if you bought an item in 2010 for £1,500 and valued at £1,000 in 2012, your insurer will pay out the lower amount if you make a claim.
Additional Cover
Business interruption insurance covers you if you cannot do business as normal as a result of an event that causes damage to your premises or equipment. It is usually offered as an extra when you buy buildings or contents insurance. It covers:
-
Any shortfall in pre-tax profits resulting from the event, any increased costs in running your business due to the event, such as extra accountants' fees.
Frequently Asked Questions
Question: What is commercial property insurance?
Commercial property insurance protects a business's physical assets, like buildings, equipment, and inventory, from damage or loss due to various events, such as fire, theft, or storms. It essentially provides financial coverage to repair or replace damaged or destroyed property, ensuring the business can recover from unexpected events.
Question: What is included in commercial property insurance?
Commercial property insurance covers buildings, contents, and public liability as standard. You then have the option to add a few optional benefits like business interruption, terrorism cover, and legal expenses.
Question: Is commercial property insurance mandatory in the UK?
Commercial property insurance is not legally required but is highly recommended. However, landlords or lenders may require you to have it as a condition of a lease or mortgage.
Question: How much does commercial property insurance cost?
Costs vary based on: Property size and location type of business industry risk value of assets being insured security measures in place claims history.
Question: Do I need insurance if I rent my business premises?
Yes. Even if you don’t own the building, you should insure your equipment, stock, and any tenant improvements. The landlord may cover the structure, but not your business contents.
Do you have a question about commercial property insurance?
Submit your question here
Related Products
UK Sure Static Caravan insurance provides financial coverage for risks such as theft, fire, flooding, vandalism, and liability claims.
Specifically designed to cover your second property, whether you let it out or not.
Whether you need buildings insurance, contents insurance, or a building and contents policy.
How our customers rate us
Is good
Isabel Martins
2025-07-11
Simon Burden
2025-06-28
Fantastic
Avuwa Honda
2025-06-26
Fantastic with high speed service delivery. You are just the best to reckon with.