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Commercial Landlord Insurance

As an insurance broker we can help you find the commercial property owners insurance you need, by accessing a range insurers to ensure your assets are protected against the unexpected, quickly and wit

SMEI
Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Commercial Landlord Insurance 

As an insurance broker we can help you find the commercial property insurance you need, by accessing a range of insurers to ensure your assets are protected against the unexpected, quickly and without fuss.

 

Why Commercial Landlord Insurance is Important

As a commercial landlord, whether you rent out a single retail unit, or a portfolio of office premises, commercial property insurance is vital to protecting your investment, and your income, against expected issues and incidents.

For instance, it can help you recover if your commercial property is affected by a serious incident like fire or flood – covering the cost of repair or reinstatement and lost rental income. It can also cover your contents, step in if you are held liable for injuries sustained in your property, and defend you financially against issues like damage caused by tenants, vandalism, and criminal damage.

Cover is also available for extensive periods of time where your property may be unoccupied and we can also provide a solution for short term lets.

Standard Covers

  • Buildings insurance.

  • Fixed glass.

  • Loss of rent.

  • Employers liability.

  • Property owners liability.

Optional Covers

  • Legal expenses.

  • Subsidence.

  • Terrorism.

  • Accidental damage.

You could save over 20% with us*

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

About the Commercial Property Industry

It is a fact that around 55% of the UK’s commercial property is rented[1] and, combined, that property could be worth around £486 billion[2].  Traditionally, the industry tends to be broken down across office space, retail units, and industrial premises[3] and all bring their own challenges for landlords.

But whichever type of commercial property, or mix of types, you own, there is always a pressing issue or two to think about. Finding and managing tenants, maintenance contracts, and issues such as safety and security are all part of parcel with the role of commercial landlords – as well as broader issues like the economy and general trading conditions, which can affect rents.

So, while investing in commercial property can be a sound investment, it does need careful consideration. It’s vital to know about any legislation or regulations aimed at commercial landlords and to give thought to your commercial property insurance needs – to make sure it would help to protect you, your finances, your assets, and your tenants if something were to go wrong.

Get a Commercial Landlord Insurance Quote

We are here to help you find the insurance cover you need, at the right price. That includes helping you work out what cover you need, gathering no-obligation quotes, and – once you have chosen a suitable policy ‒ getting everything set up quickly and easily. Contact us to find out more. We also offer a range of broader, landlord insurance products including residential landlord insurance, and insurance for holiday lets.

 

Terms and Conditions

[1] https://www.bpf.org.uk/sites/default/files/resources/PIA-Property-Data-Report-2017.PDF
[2] https://www.bpf.org.uk/sites/default/files/resources/PIA-Property-Data-Report-2017.PDF
[3] https://www.ig.com/uk/news-and-trade-ideas/shares-news/how-is-the-uk-commercial-property-sector-performing----181127

Click here to view our pricing disclaimer.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 

Do I need landlord insurance?

Landlord insurance can protect you and your properties if something goes wrong. It can help you recover from incidents like fires or floods, protect loss of rent whilst repairs are going on or if your property is vacant, and it can help defend your reputation if you’re held liable for injury or illness affecting your tenants. It can also cover costs if your property is damaged accidentally or maliciously. If you don’t have landlord insurance, you will likely have to pay for all of these costs yourself.

WHAT INSURANCE DO LANDLORDS NEED?

The type of landlord insurance you need depends on the type and number of properties you have. For example, commercial landlord insurance can provide cover for single retail units or office premises, whereas residential landlord insurance covers properties you rent out for people to live in.

WHAT DOES LANDLORD INSURANCE COVER?

Landlord insurance can protect you if your property is affected by a serious incident, like a fire or flood. It can also cover contents or provide protection if you are held liable for injuries sustained in your property, and defend you financially against damage caused by tenants, vandalism or crime. It can also provide extra cover for furnishings, extended vacancy or even short-term lets.

How much is landlord insurance?

The level of landlord insurance you need will depend on whether you have commercial or residential properties, how many properties you manage, and what covers you require. We have a range of products available, so whether you want additional extras to insure your furnishings, cover for extensive unoccupied periods or even short term lets, we can find suitable landlord insurance cover for you.

WHY SHOULD I USE A BROKER?

Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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Thank you again for all your help finding us a competitive and reasonable price for our property. I shall definitely be in contact again for future quotes, thank you once again, much appreciated.

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