Commercial
Landlord
Insurance
What is Commercial Landlord Insurance?
Commercial Landlord Insurance protects property owners from financial losses related to their commercial rental properties. Whether you own a single business unit, a multi-let office building, or an entire retail complex, this insurance ensures you’re covered against risks such as property damage, loss of rent, and liability claims.
For property investors, commercial landlords, and estate managers, having the right cover is essential to safeguard investments and ensure business continuity.
Who Needs Commercial Landlord Insurance?
If you rent out commercial property, having specialist insurance is crucial to protect your investment. This includes:
- Retail Property Owners – Cover for shops, restaurants, and high street units.
- Office Landlords – Protection for single or multi-tenant office buildings.
- Industrial & Warehouse Owners – Cover for factories, workshops, and storage facilities.
- Mixed-Use Property Landlords – Insurance for buildings with both residential and commercial tenants.
- Property Portfolio Owners – Streamlined cover for multiple commercial investments.
Why is Commercial Landlord Insurance Important?
Standard property insurance won’t cover commercial rental properties. Without specialist cover, you could face significant financial losses if something goes wrong.
Common risks that Commercial Landlord Insurance protects against include:
- Property Damage – Covers fire, flood, storm damage, or tenant negligence.
- Loss of Rent – Protection if the property becomes uninhabitable due to an insured event.
- Liability Claims – Covers legal fees and compensation if a tenant, customer, or visitor is injured on your property.
- Alternative Accommodation – Covers costs if business tenants need to be temporarily relocated.
What’s Covered in Commercial Landlord Insurance?
Commercial Landlord Insurance policies typically include:
- Buildings Insurance – Covers structural damage to your property.
- Contents Insurance – Protection for fixtures and fittings if you provide them.
- Landlord Liability – Covers claims for injuries or damages involving tenants or visitors.
- Loss of Rent – Compensation if tenants cannot operate due to an insured event.
What’s Not Covered?
- General wear and tear of the property.
- Tenant non-payment of rent (unless rent guarantee cover is added).
- Malicious damage by tenants (unless covered under optional add-ons).
Additional Cover You May Need
Depending on your commercial property type, you may need additional cover such as:
- Rent Guarantee Insurance – Covers unpaid rent if business tenants default.
- Landlord Legal Expenses – Protection for legal costs in tenant disputes.
- Commercial Property Emergency Cover – 24/7 assistance for issues like burst pipes or electrical failures.
- Portfolio Insurance – Simplify cover for multiple commercial properties.
Get the right cover for your commercial property
At Insurably, we have access to 100's of insurer markets, meaning that no matter how unique your commercial property is, we know where to find the right cover for you.
Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring your investment is fully protected.
- Small local office, no call centres.
- Experienced, knowledgeable staff.
- We keep it simple—no jargon, just clear and honest advice.
What does Commercial Landlord Insurance cover?
What's Covered?
What's Not Covered?
Commercial Property Insurance is essential for protecting buildings used for business, whether you own offices, retail units, or industrial spaces. Insurably® provides expert guidance and tailored cover, making it easy to safeguard your commercial investments with confidence.
25+
years of experience in landlord insurance
100+
insurer markets accessed
100%
confidence in property protection
Frequently Asked Questions
- Buildings Insurance – Covers structural damage from fire, floods, storms, and other risks.
- Landlord Contents Insurance – Protects fixtures, fittings, and furnishings (if provided).
- Loss of Rent – Covers lost rental income if the property becomes uninhabitable due to an insured event.
- Property Owners' Liability – Protects against claims if a tenant, employee, or visitor is injured due to property defects.
- Landlord Legal Expenses – Covers legal costs for disputes with tenants or other parties.
- Employers' Liability – Covers claims from employees working on-site.
- Property location and size.
- Type of business operating on the premises.
- Rebuild cost and level of cover required.
- Additional cover options like rent guarantee or employers' liability insurance.