When you manage a commercial property, whether it’s a standalone building, mixed-use site or an unoccupied unit, insurance can quickly become complex. This free one-page guide simplifies what you need to know, from fire and flood protection to tenant liability and loss of rent. It’s built to give you clarity and peace of mind.
Executive Summary
This one-page guide outlines the key elements of commercial property insurance:
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Tailored cover for all types of buildings, including factories, HMOs, and unoccupied or high-risk properties
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Protection against common risks such as fire, explosion, accidental damage, and subsidence
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Liability cover for both employees and members of the public on-site
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Loss of rental income to protect cash flow if a tenant cannot occupy the premises
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Flexibility to insure a single property or an entire portfolio
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Access to specialist insurers for non-standard or vacant properties
Helpful tips to keep in mind:
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Always check that your rebuild sum insured reflects the true reinstatement cost
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Include communal contents and landlord fixtures when calculating cover
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Be aware that cover for unoccupied buildings may lapse after 30 days without appropriate adjustments
This guide is ideal for landlords, property managers and business owners who want a clear, no-nonsense overview of their insurance options.
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