• Commercial Property Insurance

    Commercial Property Insurance

    Tailor business property cover for and compare quotes online from our panel of leading insurers

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27
January
2016

What I Commercial Property Insurance?

Commercial property insurance is a specialist form of cover for commercial landlords.   Tailored policy offer protection for an array of business properties let to commercial tenants from office blocks, retail premises, industrial or factory units.

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Commercial Buildings Insurance – What Do I Need?

The core cover provides reinstatement of the building itself following an insured peril such as a fire, theft or flood. As well as property cover, policies can be extended to cover legal liabilities as a commercial landlord such as property owners liability or employers liability should you employ the services of maintenance or property management staff. Other recommended extensions include loss of rent (following an insured loss), terrorism and legal expenses.

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Compare Commercial Property Insurance Online

As a specialist property insurance broker Insync has access to a panel of the UK’s leading commercial property insurers including AXA, Allianz, Ageas, Aviva, LV= and Zurich. You can compare tailored cover online in minutes, either for a single property or multiple risk addresses. Alternatively, why not arrange a free review with one of our property insurance advisors who can help you find the right level of cover at the right price.

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Commercial Landlords Let Property Extended Covers

In addition to the commercial buildings, you may require cover for any landlords contents, such as in communal, reception areas or provision of meeting rooms as well as any items in gardens or car parks. Property owners’ liability, terrorism, loss of rent and legal expenses should also be considered.

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Why Insync for Commercial Property

  • We compare prices and commercial property insurance cover from panel of 5+ leading insurers
    We compare prices and commercial property insurance cover from panel of 5+ leading insurers
  • Instant quotations - cover and policy documents in minutes
    Instant quotations - cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
    Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from property Insurance specialists
    Expert advice from property Insurance specialists
  • 24 Hour Claims Helpline
    24 Hour Claims Helpline
  • Personal – Digital servicing AND your own dedicated insurance professional
    Personal – Digital servicing AND your own dedicated insurance professional

Commercial Property Cover

  • Specialist cover from a single commercial premises to large property portfolios
    Specialist cover from a single commercial premises to large property portfolios
  • Office blocks, Retail units or parks, industrial units or factory premises
    Office blocks, Retail units or parks, industrial units or factory premises
  • Single or multiple tenancy leases inc. serviced offices
    Single or multiple tenancy leases inc. serviced offices
  • Non-standard construction and unoccupied properties
    Non-standard construction and unoccupied properties
  • Property owners contents
    Property owners contents
  • Loss of rent following a claim
    Loss of rent following a claim
  • Legal liabilities as a commercial landlord (Employers & Property Owners Liability)
    Legal liabilities as a commercial landlord (Employers & Property Owners Liability)
  • Legal Expenses and Terrorism options
    Legal Expenses and Terrorism options

Commercial Property Claims Example

Commercial Property Claims Example

Tenant reported a 10 fold rise in their water bill. On further investigation it was discovered that the underground services to the property had been damaged. Insurers engaged specialist contractors who needed to replace 30 metres of pipe, digging across the property car park. Total claims costs in excess of £35,000.

How Much Should I Insure My Commercial Property For?

How Much Should I Insure My Commercial Property For?

The buildings sum insured for business premises should be based on the reinstatement / rebuilding cost of the property. This will depend on the construction method used, location and access to the property. All of these variables can be difficult to calculate and you should seek the services of a professional valuation surveyor, suitably qualified by the Royal Institute of Chartered Surveyors (RICS).