Buildings, liability and loss of rent cover for owners letting shops, offices, warehouses and industrial units.
Buildings, liability and loss of rent cover for owners letting shops, offices, warehouses and industrial units.
Full rebuild costVacant unit periodsLoss of rent
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Commercial landlord insurance covers property you let to businesses rather than residential tenants. It combines buildings cover for the structure, property owners’ liability, and loss of rent if the premises become unusable.
On a commercial lease the insurance obligation is set by the lease itself, most full repairing and insuring (FRI) leases put the duty on the landlord, with the premium recharged to the tenant.
The right commercial landlord cover depends on:
What the tenant’s business doesBuilding construction and ageSingle or multiple tenantsRebuild cost of the structureAnnual rental incomeNumber of properties let
Is commercial landlord insurance right for your property?
Is commercial landlord insurance right for your property?
If you own property let to a business, a shop, office, warehouse or industrial unit, this is the cover built for you. These are the property types it most commonly applies to.
If you own property let to a business, a shop, office, warehouse or industrial unit, this is the cover built for you. These are the property types it most commonly applies to.
Retail Units
Shops and customer-facing premises on high streets or retail parks.
Office Buildings
Single or multi-tenant offices, including serviced and managed workspace.
Industrial Units
Warehouses, workshops and light industrial premises.
Restaurants & Cafés
Premises occupied by food and drink businesses, where fire risk is higher.
Mixed Commercial
Buildings with several commercial uses under one roof.
Property Portfolios
Landlords letting multiple commercial properties under one policy.
What could put your commercial property at risk?
What could put your commercial property at risk?
Fire, escape of water and storm damage account for most commercial property claims, with liability for injuries in communal areas close behind.
Fire, escape of water and storm damage account for most commercial property claims, with liability for injuries in communal areas close behind.
How could a claim affect your property?
How could a claim affect your property?
A single incident can affect both the building and your rental income. Here are four common scenarios and the cover that would typically respond to each.
A single incident can affect both the building and your rental income. Here are four common scenarios and the cover that would typically respond to each.
Fire
A fire damages the building and the tenant has to move out.
What cover may respond?
Buildings + Loss of Rent
Escape of Water
A burst pipe damages the structure and a tenant’s stock below.
What cover may respond?
Buildings + Property Owners’ Liability
Storm Damage
Severe weather damages the roof and the premises can’t be used.
What cover may respond?
Buildings + Loss of Rent
Visitor Injury
A visitor is injured in a communal area you’re responsible for.
What cover may respond?
Property Owners’ Liability
If you own property let to a business, your lease almost certainly makes you responsible for insuring the building, even though the tenant occupies it.
This cover may be suitable for:
Owners of retail shopsCommercial office landlordsIndustrial and warehouse ownersOwners of mixed-use propertiesLandlords with multiple propertiesOwners with FRI lease obligationsOwner-occupiers of commercial buildingsOwn the building you trade from? You do not have to split it across two policies. An owner-occupied commercial building can be covered here, or alongside your liability and stock on a single business policy. Tell us how the building is used and we will place it the way that suits you.
Cover built around your property
Cover built around your property
Most commercial landlords combine buildings cover with property owners’ liability and loss of rent, then add cover for vacant periods and lease disputes.
Most commercial landlords combine buildings cover with property owners’ liability and loss of rent, then add cover for vacant periods and lease disputes.
Buildings Insurance
Protection for the structure, fixtures and permanent fittings, set to full rebuild cost.
Property Owners’ Liability
Protection if a tenant, customer or visitor is injured at your property.
Loss of Rent
Helps replace rental income while the premises are unusable after an insured event.
Landlord Contents
Cover for any fixtures, carpets or equipment you provide within the property.
Unoccupied Cover
Extends protection when a unit is empty between tenants, when standard cover often restricts.
Legal Expenses
Additional legal protection for lease disputes and recovering possession.
How the quote process works
How the quote process works
Simple steps. Expert advice on the cover your property actually needs.
Simple steps. Expert advice on the cover your property actually needs.
Tell us about your property
Type, tenant, location and lease terms.
Set your rebuild cost
Cover should reflect rebuild cost, not market value.
We compare specialist insurers
We search our panel of commercial property insurers.
Get covered and get your documents
Receive your policy documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Commercial landlord insurance guides
Commercial landlord insurance guides
Practical advice on leases, tenants and protecting rental income.
Practical advice on leases, tenants and protecting rental income.
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Commercial landlord insurance FAQs
Commercial landlord insurance FAQs
Straight answers on leases, liability and cost.
Straight answers on leases, liability and cost.
It covers property let to businesses rather than residential tenants, combining buildings cover for the structure, property owners’ liability, and loss of rent if the premises become unusable.
Still have questions?
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