Landlord insurance and home insurance serve different purposes and cover different types of risks. Home insurance is designed for homeowners who live in their property. It protects the home and personal belongings against risks like fire, theft, and certain natural disasters. Landlord insurance is specifically for property owners who rent out their property. It covers the building itself and may also include liability protection and loss of rental income.
Insurance for Empty Commercial Properties
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Smei: Why Choose Us
As a landlord of commercial property, you may have times when your property is left empty. It may be a gap between tenants, due to renovation works or maybe whilst the property is on the market. Either way its important to ensure you are protected against owners’ liabilities risks.
Most standard landlords’ insurance policies typically only cover your property when it’s unoccupied for a specified short period of time. Therefore, if your property is likely to remain unoccupied for some time, you may need specialist unoccupied property insurance to ensure your vacant property is adequately protected.
Because we’re an insurance broker, we have access to a panel of insurers and specialist providers. We can search the market for you so you can choose the cover that best suits your needs and protects your business.
Speak to our team of experts in commercial property insurance for a free, no obligation quote.
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List of Covers and Features
Covers available**
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Accidental damage.
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Buildings insurance.
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Employers liability.
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FLEA.
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Fixed glass.
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Landlord contents.
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Legal expenses.
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Loss of rent.
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Loss recovery insurance.
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Property owners’ liability insurance.
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Subsidence.
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Terrorism.
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Wider perils.
** As with all insurance policies, terms and conditions apply. Contact us for full details. Standard cover may also vary depending on the length of time your property isn’t occupied.
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Unoccupied Property Insurance FAQs
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You should investigate unoccupied property insurance if you’re:
- Undergoing renovations that require you to vacate the property
- You are you’re between tenants
- Leaving a property empty while it’s on the market
- Waiting to complete the probate process
- The owner of a holiday home that you don’t live in
- On an extended holiday or sabbatical
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We can source cover if your commercial property is empty short term or for 90 days.
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As a landlord of a commercial property, you need specific types of insurance to protect your investment and manage the risks associated with leasing commercial space. A mortgage lender will usually require you to have specific landlord cover in place, before you let your property. Popular covers include:
Commercial property insurance: This covers the physical structure of the building and any improvements made to it. It protects against risks such as fire, theft, vandalism, and certain natural disasters.
General liability insurance: This provides cover for claims made by third parties for bodily injury or property damage that occurs on your commercial property. It protects you from lawsuits and legal fees.
Business interruption insurance: This covers lost rental income if your property becomes uninhabitable due to a covered event, such as a fire or natural disaster. It helps you maintain cash flow during the recovery period.
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