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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
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 business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Commercial Landlord cover you for?
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.
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