Buildings, contents and liability cover for shops, offices, warehouses and industrial units, whether you occupy them or let them.
Buildings, contents and liability cover for shops, offices, warehouses and industrial units, whether you occupy them or let them.
Full rebuild costOwners’ liabilityLoss of rent
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Commercial property insurance covers buildings used for business, shops, offices, warehouses, workshops and industrial units. It combines buildings cover for the structure, contents cover for what’s inside, and property owners’ liability.
Who pays for it is set by the lease, not by law. Under a full repairing and insuring (FRI) lease the landlord usually arranges the buildings insurance and recharges the premium to the tenant.
The right commercial property cover depends on:
Whether you occupy or let the propertyWhat trade is carried out insideBuilding construction and ageRebuild cost and contents valueRental or trading income at riskNumber of properties owned
Is commercial property insurance right for you?
Is commercial property insurance right for you?
If you own commercial premises, whether you trade from them or let them to business tenants, this is the cover built for that property.
If you own commercial premises, whether you trade from them or let them to business tenants, this is the cover built for that property.
Owner-Occupiers
Businesses that own and trade from their own premises.
Commercial Landlords
Owners letting units to business tenants under commercial leases.
Retail & Offices
Shops, showrooms and office buildings, single or multi-tenant.
Industrial & Warehousing
Warehouses, workshops and light industrial units.
Mixed-Use Buildings
Buildings combining commercial units with flats above.
Property Portfolios
Owners insuring several commercial properties under one policy.
What could put your commercial property at risk?
What could put your commercial property at risk?
Fire and escape of water cause most commercial property claims, and in multi-tenant buildings damage rarely stays in one unit.
Fire and escape of water cause most commercial property claims, and in multi-tenant buildings damage rarely stays in one unit.
Fire damaging the structure and everything in it, higher risk where tenants cook, weld or use machinery.
How could a claim affect you?
How could a claim affect you?
Damage to commercial premises stops trade or rent immediately. Here are four scenarios and the cover that responds to each.
Damage to commercial premises stops trade or rent immediately. Here are four scenarios and the cover that responds to each.
Fire
A fire closes the premises and stops trade or rent.
What cover may respond?
Buildings + Business Interruption
Escape of Water
A burst pipe damages the structure and stock inside.
What cover may respond?
Buildings + Contents
Storm Damage
Storm damage makes a unit unusable while repairs are done.
What cover may respond?
Buildings + Loss of Rent
Visitor Injury
A customer is injured in a shared car park.
What cover may respond?
Property Owners’ Liability
Whoever the lease makes responsible for insuring the building. If you own commercial premises, occupied or let, that duty almost always sits with you, even when a tenant occupies the space.
This cover may be suitable for:
Businesses owning their own premisesCommercial landlordsRetail and office property ownersOwners of mixed-use buildingsOwners with FRI lease obligationsOwners with vacant unitsCover built around your commercial property
Cover built around your commercial property
Most commercial property owners combine buildings cover with liability, then add contents if they occupy the building or loss of rent if they let it.
Most commercial property owners combine buildings cover with liability, then add contents if they occupy the building or loss of rent if they let it.
Buildings Insurance
Covers 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
For landlords, replaces rental income while the premises are unusable after an insured event.
Business Contents & Stock
For owner-occupiers, covers equipment, fittings and stock inside the building.
Business Interruption
Helps replace lost trading income and ongoing costs while you can’t use the premises.
Unoccupied Cover
Keeps cover in force while a unit is empty between commercial tenants.
How the quote process works
How the quote process works
Getting commercial property insurance takes four steps: tell us about the property, set your rebuild cost, compare specialist insurers, then get covered, often the same day.
Getting commercial property insurance takes four steps: tell us about the property, set your rebuild cost, compare specialist insurers, then get covered, often the same day.
Tell us about the property
Type, trade, construction and whether it’s let or occupied.
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 property insurance guides
Commercial property insurance guides
Practical advice on leases, rebuild costs and vacant units.
Practical advice on leases, rebuild costs and vacant units.
Why Commercial Properties Are Often Underinsured (And How to Avoid It)
If you own a commercial property, having insurance is only half the job. The amount you insure it for matters just as much. Many UK businesses unknowingly underinsure their commercial properties. As a result, they may not receive enough money to repair or rebuild their premises after a major loss.
What To Do After A Commercial Property Incident
A commercial property incident — whether fire, flood, theft or structural failure — can be disruptive and costly. Acting quickly and carefully, while following your insurance policy, helps protect your business. It also makes the claim process easier and reduces financial loss. Below are the key steps to take immediately after an incident.
Why 2025 Brings New Challenges for Property Owners
The commercial property market is shifting. Rising rebuild costs, climate-related damage and legal changes mean landlords must reassess their cover. Commercial property insurance in 2025 needs to be more than a standard package.
Commercial Property Insurance Matters More Than Ever
Owning a commercial building brings opportunities, but it also carries financial risk. Damage, tenant disputes and unexpected legal claims can quickly disrupt rental income. Commercial property insurance protects landlords and business owners against these risks, helping them stay profitable even when unexpected events occur.
From Empty Shops to Office Blocks: Why Vacant Commercial Properties Still Need Insurance
When a commercial property sits vacant, it may seem like there is less to insure. No tenants, no business operations, no customer footfall. Yet empty commercial properties carry real risks that can leave landlords financially exposed without the right protection in place.
Commercial property insurance FAQs
Commercial property insurance FAQs
Straight answers on leases, who pays and what’s covered.
Straight answers on leases, who pays and what’s covered.
It covers buildings used for business, shops, offices, warehouses, workshops and industrial units, combining buildings cover for the structure, contents cover, and property owners’ liability.
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