Commercial Property Insurance
Our commercial property insurance policy has been designed to cater for many uses
and eventualities and is available for:
- Shops
- Offices
- Shops with Residential Accommodation
- Offices with Residential Accommodation
- Unoccupied Commercial Property
We can provide cover whether the property is used by the owner as occupier or where
the property is let, leased or sub-let to tenants.
The key additional features of our policy include:
- Standards perils plus
- Malicious Damage caused by Tenants
- Unauthorised Alteration Cover
- Trace and Access Cover
- Plate Glass Cover
- Replacement Locks Cover
- Loss of Rent cover up to 25% of the building sum insured
- £5,000,000 Property Owners Liability
- £10,000,000 Employers’ Liability
These additional benefits are included free of charge as standard with all our Commercial
Property Insurance policies in addition to the standard perils. Cover for Accidental Damage
is also available for a small additional premium.
If the property is split between commercial and residential use then we will also be able to
provide cover on the appropriate basis. All residential use types are accepted including Owner
Occupied, Professional/Retired Lets, Student Lets, Dss Lets, Asylum Seekers, Holiday Homes
and Unoccupied.
Cover is also available if the property is Unoccupied – we will provide full cover and will
be able to amend the policy at a future date should it become let or leased.