Commercial property insurance guide
Commercial property insurance covers buildings used for business, such as shops, offices, units and mixed-use buildings. It usually includes the building, property owners’ liability and can include loss of rent.
Rebuild cost, not value
Insure for the cost to rebuild, including demolition and fees. A professional valuation helps.
Tenant trades
A restaurant tenant is a different risk from an office tenant. Tell your insurer when tenants change.
Mixed-use buildings
A shop with flats above needs cover for both uses.
Loss of rent
Covers rent you lose while the building is repaired after insured damage.
- Rebuild cost
- Tenant trades
- Building construction and age
- Location and flood risk
- Rebuild valuation
- Tenant list and trades
- Rent amounts
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General guidance only. Cover depends on policy terms, conditions and exclusions.