Compare commercial property owners insurance from a range of UK insurers. Cover can include buildings insurance, loss of rent, and property owners' liability for offices, shops, warehouses, industrial units and mixed-use properties.
Offices, retail units, warehouses, mixed-use buildings and portfolios — we link you to FCA authorised UK insurers to find cover that fits your property, not a one-size-fits-all policy.
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Commercial property owners insurance is designed for landlords and investors who own offices, shops, warehouses, industrial units and mixed-use premises. Policies typically include buildings insurance, property owners' liability and optional loss of rent cover if the property becomes unusable following an insured event.
Not all policies are structured the same way, and what's included as standard with one insurer may be an optional extra with another. It's worth understanding what each element actually does — and where the gaps tend to appear.
Covers the cost of repairing or rebuilding your commercial property following damage, for example fire, flood, storm, subsidence, escape of water, theft or malicious damage.
Protects furnishings, fixtures, fittings and equipment belonging to you as the property owner — not the tenant's contents. Including air conditioning and sprinkler systems.
Covers lost rental income if your property becomes uninhabitable due to an insured event, while repairs are carried out. Critical for income-reliant landlords. Multi-year cover is available.
Covers legal costs and compensation if a third party (tenant, visitor or passerby) is injured or has property damaged attributable to your building. Limits of indemnity are typically from £2 to £5 million.
Standard policies restrict cover when a property is empty, usually after 14 to 30 days, to damage caused by Fire, Lightning, Explosion or Aircraft. Specialist unoccupied cover bridges the gap during tenancies, refurbishments or sales.
Optional cover for lifts, boilers or air conditioning - for breakdown of machinery - this may be required contracutally through a commercial lease.
Available for most policies, though premiums vary by flood risk area and geographical areas. Always check the level of excess applied to flood and subsidence claims before buying.
Own multiple commercial or residnetial properties? A portfolio policy covers all units under a single renewal, often at a lower total premium than insuring each separately.
The insurers we link you to can cover a wide range of commercial and residential premises across the UK.
Cover levels vary between insurers. Here's a typical guide to what's included at each tier.
| Cover Element | Standard Policy | Enhanced Policy | Specialist Add-On |
|---|---|---|---|
| Buildings (fire, flood, storm and burst pipes) | ✓ Included | ✓ Included | — |
| Property owners' liability | ✓ Included | ✓ Included | — |
| Loss of rent | Optional | ✓ Included | — |
| Contents & fixtures | Optional | ✓ Included | — |
| Accidental damage | ✗ Not included | ✓ Included | — |
| Unoccupied property ( up to 30 days) | ✓ Included | ✓ Included | — |
| Unoccupied property (30+ days) | ✗ Not included | ✗ Not included | ✓ Specialist only |
| Engineering & boiler breakdown | ✗ Not included | Optional | ✓ Add-on |
| Commercial Legal expenses | ✗ Not included | Optional | ✓ Add-on |
| Portfolio discount | ✗ Single property | Varies | ✓ Multi-property |
We refer you to FCA-authorised UK insurers specialising in commercial property cover.
Specialist SME and property owners insurer. Fast online quotes for single and portfolio properties.
Get a quote →Tailored commercial property cover, including offices, mixed-use and specialist premises.
Get a quote →Wide range of commercial property solutions, from single retail units to large portfolios.
Get a quote →One of the UK's largest commercial insurers with strong property owners' products for all sizes.
Get a quote →Referral fees may apply. The price you pay is unaffected. Always read the full policy before purchasing.