Business Buildings Insurance.

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What is Commercial buildings Insurance?

If you own a business premises, there are lots of risks you’ll face on a daily basis which could cause serious problems for you or your tenants. Commercial buildings insurance can protect your contents, fittings, and equipment, paying for repair or replacement costs if they’re damaged by an event like a flood or vandalised

What does Commercial buildings Insurance cover?

Office-based businesses usually have automatic cover provided by the owner of the building or management company, but if you own your premises or need protection for equipment, contents, and fittings, a tailored quote featuring office contents insurance and buildings cover can be a key support.

  • Public Liability Insurance - In case someone is injured while visiting your premises

  • Employers Liability Insurance - Required by law for most employers, covering employee injuries and illness

  • Contents Insurance - In case the specific contents you use at your business premises, such as furniture or appliances, are damaged or stolen

  • Fixtures and fittings insurance - cover for fitted contexts like your sink and doors

Commercial Buildings Insurance FAQ’s

  • In most cases, the owner of the commercial premises (i.e. the landlord) is responsible for the buildings insurance. If you own your business premises outright, then it’s likely you’ll need buildings cover. Sometimes, the tenant may be responsible for buildings insurance, so if you rent a commercial space make sure you check your tenancy agreement and speak to your landlord to make sure you have the right cover in place.

  • If you own a business premises, there are lots of risks you’ll face on a daily basis which could cause serious problems for you or your tenants. Commercial buildings insurance can protect your contents, fittings, and equipment, paying for repair or replacement costs if they’re damaged by an event like a flood or vandalised.