Commercial property owners need to consider the building, tenants and rental income together. We welcome enquiries for shops, offices, industrial premises and mixed portfolios across England, Scotland, Wales and Northern Ireland.
Established 1963 · Independent brokers · FCA firm reference 300694
Send your declared rebuilding values and any reinstatement valuation, with its date. A property’s market value does not establish its rebuilding cost. Explain the construction, listed status, unusual features and any planned works.
List the activities at each unit, lease responsibilities, vacant areas and any residential accommodation. Tell us about changes of use, unoccupancy or refurbishment before assuming the existing cover remains suitable.
Share annual rent and the loss-of-rent period you want to review, alongside liability requirements. These sections have their own triggers, limits and conditions. A tenant’s business interruption policy is a different arrangement from a landlord’s rental-income cover.
For a portfolio review, send an address-by-address list of buildings, uses, tenants, rebuilding figures, rents and claims. We can discuss a portfolio policy or separate arrangements, including any significant flood terms, excesses and security requirements.
Some policies apply an agreed uplift to a declared rebuilding value. Keep the underlying valuation and the resulting sum insured clear when comparing quotations. The uplift and the way underinsurance is assessed depend on the policy wording.
Do not assume so. Check the lease and each party’s policy. A building owner’s insurance, the tenant’s contents and stock, and each party’s income protection address different interests. Tell us which interests you need to arrange.
Further reading: ABI: commercial property and rebuilding costs. Your quotation and policy wording determine the cover offered.
The available cover and premium depend on your circumstances, insurer acceptance and policy terms. Savings and price matching are not guaranteed. Uploading documents does not put cover in force.
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