Commercial Property Insurance | Lansdown Insurance Brokers

Protecting your commercial property is essential to safeguarding your business. Commercial property insurance, also known as commercial building insurance, commercial premises insurance, commercial property landlord insurance and business buildings insurance, provides a safety net for property owners and businesses, ensuring that your investment is protected against a wide range of risks. Whether you own a small office space, an industrial warehouse, or a retail outlet, having the right cover in place gives you the peace of mind to focus on what matters most—your business.

What is Commercial Property Insurance?

Commercial property insurance is a type of policy designed to cover the physical assets of your business. This includes the building itself, as well as your contents, fixtures and fittings. In the event of an event such as fire, flood, theft, or vandalism, commercial building insurance helps cover the costs of repairs or replacements, minimising financial loss and disruption to your business operations.

If your property is damaged, destroyed, or rendered unusable by an insured event, the right insurance ensures that you can recover quickly without bearing the full financial burden.

What does Commercial Property Insurance cover?

While cover can be tailored to your unique business needs, commercial buildings insurance for landlords typically includes the following:

Buildings Insurance: Your insurance will cover the costs of repairing or rebuilding the physical structure of your property in case of damage from risks such as fire, storms, or vandalism.

Contents and Equipment: This generally included fixed glass and sanitary fixtures.

Rental Income: Cover for the loss of rental income if your property is damage by an insured peril e.g. flood or fire.Natural

Disasters: Depending on your specific policy, you can get cover against damage caused by natural disasters, such as floods, earthquakes, or storms, which are essential for businesses located in high-risk areas.

Liability Protection: Most policies include Property Owners’ Liability cover for accidents that occur on your property, ensuring you’re protected if someone is injured and decides to file a claim against you.

Here at Lansdown, we work with a select group of leading insurers and can help you compare your options to find the right commercial building insurance cover for your specific needs. Simply fill in the below form and a member of our team will be in touch shortly. Alternatively, you can call us on 01242 524498 or email enquiries@lansdowninsurance.com

Request a Commercial Property Insurance Quote

FAQs

What is commercial building insurance?

Commercial property building insurance is a policy designed to protect business owners and property investors from financial losses associated with damage to the physical assets of a business. This includes the building itself, along with your contents, fixtures and fittings.
How much is commercial property insurance?

The cost of commercial property insurance depends on several factors, including the location, size, and type of property, the value of the building and contents, and the specific risks you want to cover. We recommend contacting a specialist commercial property insurance brokers, like Lansdown, for a tailored quote based on your business’s needs.
Who pays building insurance on commercial property?

Typically, the owner of the commercial property is responsible for paying building insurance. However, in some lease agreements, the tenant may be required to contribute towards the insurance costs, or the building owner may pass the cost onto tenants through service charges. Always check your lease agreement to clarify responsibilities.
Do I need insurance for unoccupied commercial property?

Yes, it’s essential to have commercial buildings insurance even for unoccupied properties. Properties that are vacant can be at a higher risk of vandalism, theft, and damage due to neglected maintenance. At Lansdown, we offer tailored commercial unoccupied property insurance quotes for unoccupied properties, ensuring you’re protected until a new tenant is found or while the property is undergoing renovations.