Commercial Property Insurance Quotes

Prices vary widely depending on the building type, location, construction materials, security, occupancy, and claims history. Small retail units may start from a few hundred pounds per year, while large warehouses, industrial units, or multi‑tenanted buildings can cost significantly more. Only a specialist broker can provide an accurate premium.

Most insurers cover a wide range of premises, including offices, shops, restaurants, warehouses, factories, industrial units, salons, pubs, hotels, surgeries, mixed‑use buildings, and commercial landlords’ portfolios.

It depends on the policy. Landlords typically insure the building, while tenants insure their own contents, stock, and improvements. Some policies can be structured to cover both parties if required.

Insurers assess:

• Building size, age, and construction

• Location and flood/crime risk

• Business type and occupancy

• Security measures

• Claims history

• Rebuild cost

• Fire protection systems

Yes. Even if you rent, you may be responsible for insuring your contents, stock, equipment, and any improvements you’ve made to the property. Your lease may also require certain cover.

Yes, if you add business interruption insurance. This covers lost revenue if your premises become unusable due to an insured event like fire or flood.

Yes. Multi‑property and portfolio policies are available for landlords, investors, and businesses with several locations, often reducing costs and admin.

Standard policies usually don’t. Unoccupied properties require specialist cover due to higher risks like vandalism, theft, and water damage.

Yes, but insurers treat them as higher risk due to cooking equipment and fire exposure. You may need additional cover for stock, refrigeration breakdown, and public liability.

Yes. Warehouses and industrial units can be insured, but premiums depend heavily on the type of goods stored, fire protection, and security measures.

Yes. Mixed‑use buildings (e.g., shop with flats above) can be insured under a single policy, but insurers will assess both the commercial and residential risks.

The rebuild cost is the amount required to completely rebuild your property after a total loss. Insurers use this figure to calculate premiums. Underestimating it can lead to reduced payouts.

Some policies include accidental damage as standard, while others require it as an add‑on. It’s important for businesses with expensive equipment or high‑value interiors.

Yes, but insurers may charge more due to increased water‑ingress risk. You may need to provide evidence of regular maintenance.

Many policies include flood cover, but properties in high‑risk areas may require specialist insurers or additional terms.

You’ll typically need:

• Property address and usage

• Rebuild cost

• Construction details

• Security and fire protection info

• Claims history

• Tenant details (if applicable)

Some policies include malicious or accidental damage by tenants, while others require it as an optional extra. Landlords should check this carefully.

Yes. Most insurers offer monthly instalments through finance agreements.

You can lower premiums by improving security, installing fire alarms and sprinklers, maintaining the building, reducing claims, and ensuring your rebuild cost is accurate.

ABI –  Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.

BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.