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Commercial Landlord Insurance

At 1st Choice Insurance, we have been advising our clients on all aspects of commercial landlord insurance for many years. Based on their individual requirements, we are able to offer the correct level of protection for competitive commercial landlords insurance quotes.

What is commercial landlord insurance?

Commercial property owners insurance, also known as commercial landlords insurance, is designed to protect property owners who are renting one or more properties to commercial businesses. Landlords who are renting out a commercial property often have unique needs from insurance, with a tailored contract the only real way to ensure full coverage.

Commercial property insurance is much more than simple buildings and contents coverage, with landlords also needing to access liability protection, loss of income and rent protection, and protection from accidental or malicious damage by tenants. While some of these protections may be covered in other insurance contracts, it’s always a good idea to take out dedicated commercial building insurance that has been tailored to meet your specific needs.

Here at 1st Choice Insurance, we provide access to a wide range of individual commercial landlord insurance options, many of which can be combined under a single umbrella policy. This level of integration and customer service helps our customers to access all of the protection they need in one easy-to-manage insurance package. Depending on your individual needs, a flexible and accurate commercial property and commercial landlord insurance quote can be made available.

What commercial landlord insurance can we offer?

We can find a really competitive commercial property insurance quote for your needs. We will help you get the protection you need and offer a range of covers including commercial combined insurance, employers’ liability insurance, office insurance, and building contents insurance.

Along with standard buildings and contents insurance, commercial property owners insurance may also include landlords liability insurance, public liability insurance, employers’ liability insurance, commercial portfolio insurance, rent loss insurance, landlord rent guarantee insurance and numerous other protections.

Blog: getting started with commercial property insurance

The two main types of commercial property insurance are buildings insurance and contents insurance. You should check your commercial landlord insurance policy carefully to ensure that all the cover you require is included, such as:

  • Employers Liability
  • Landlords Contents
  • Alternative Accommodation
  • Loss of Rent
  • All Risks Building Cover
  • Public Liability
  • Legal Expenses
  • Business Interruption

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Who needs commercial landlord insurance?

Commercial property insurance is recommended for any landlords who rent out commercial property. In order to understand commercial building insurance, it’s important to differentiate it from standard buildings and contents insurance. Commercial insurance contracts are designed to meet the needs of landlords who rent out their property for commercial uses, including warehouses, industrial units, retail stores, bars and restaurants, offices and much more.

Depending on the building and business in question, a range of individual protections may be required. For example, you may need additional buildings and contents coverage to protect your furniture and other belongings. You may also require loss of rent and loss of income protection in case the premises are temporarily unusable. Most commercial property insurance packages also come with a full range of liability coverage options, with landlords needing to protect their person and property in the case of legal costs related to the use of the property.

For example, public and property owners’ liability is absolutely essential in case your tenants or visitors suffer an accident or get injured while they are visiting your property. Employers’ liability protection is also a good idea if you employ people to manage or maintain the property in question. Here at 1st Choice Insurance, we can combine all of these protections in one easy-to-manage commercial landlord insurance package.

Benefits of commercial landlord insurance

Commercial building insurance offers a number of advantages over more limited forms of property insurance. Unlike standard buildings and contents insurance, commercial landlords insurance has been specifically designed to meet the needs of commercial landlords. Not only does this provide a more comprehensive level of protection, it’s also easier to manage, more flexible, and more affordable in the vast majority of use cases.

Build bespoke commercial landlords insurance

Having the ability to combine multiple levels of protection under a single policy umbrella should not be underestimated, with a single policy and single premium both less risky and easier to manage. Here at 1st Choice Insurance, we specialise in commercial property owners and commercial landlord insurance and other bespoke forms of insurance protection. If you want to get the right kind of insurance for your business and access protection that leaves nothing to chance, please pick up the phone and give us a call today.

Get a commercial landlord insurance quote

Call our friendly, experienced team for a commercial landlord insurance quote on 0800 078 7003 – 0300 600 0603 for a no obligation quotation or use our Get a Quote Form to get you commercial landlords insurance quotes online.