Your guide to commercial landlord insurance
Still have some questions about commercial landlord insurance? Find out more on the guide.
Visit the guideCommercial risks can be complicated, which is why we try to make finding the right insurance as easy as possible for landlords. Speak to our team of commercial property experts for a quote that includes:
Comprehensive buildings insurance for your commercial property, including cover for theft, accidental and malicious damage. We can also provide landlord contents insurance for any items in the property belonging to the landlord.
Up to £10 million property owners’ liability cover and up to £100,000 commercial legal expenses cover.
Cover for up to 120 consecutive days during which the property is unoccupied. Additional conditions apply after 30 days.
Up to £100,000 cover for your defence costs in the event of a legal dispute relating to your commercial property.
We’ve taken the time to answer some of our customers’ most frequently asked questions so you have all the information you need when you get a quote.
It’s buildings and contents cover for commercial landlords who let properties for business purposes. A ‘commercial property’ could be anything from a shop with a flat above to an industrial unit that is occupied by a motor tradesman and will usually provide any of the normal covers provided by standard landlord buildings insurance. This could include cover for fire, theft and flood, as well as property owners’ liability and legal expenses cover to protect against compensation claims arising from your ownership of the property.
There are lots of different scenarios where you could need commercial property insurance, including landlords who have tenants in a range of sectors, such as offices, retailers and warehouses. It can also be taken out for properties rented as pubs or restaurants , and it is also useful for landlords who have a large commercial portfolio and want it all on a single policy for administrative purposes.
As well as the covers listed above, Endsleigh’s commercial property insurance can also provide cover for:
Accidental damage cover for your buildings
Damage caused by wear and tear or defective workmanship is not covered
The landlords contents
This is subject to a policy excess specified within the policy documents
Additional covers
Glass, replacement locks, trace and access and underground services
Please speak to one of our expert consultants to find out more about what’s covered.
No two commercial properties are the same, which means that you may need to tailor your policy to include all the cover you need. As part of our commercial property insurance we can offer:
Employers' liability insurance
This will protect you from financial losses that may occur if an employee experiences an injury or illness in the workplace and seeks to claim compensation.
Terrorism cover
We can also provide terrorism cover which provides protection for damaged or destroyed property, including buildings, equipment, furnishings and inventory.
Engineering and inspection cover
We also offer cover for engineering and inspection as well as contract works and developers, which will give you cover for your buildings and liabilities if you have any contract works or development going on at the property.
Extended legal expenses cover
This also includes cover for tenant disputes.
We understand that being a landlord can be time-consuming, so we try to make the insurance part simple. All you have to do to get a commercial property insurance quote is call our UK based team on 0333 234 0039 or arrange a call by filling out an enquiry form. We’ll then take the time to get to know you and your property or portfolio so we can ensure we’re getting you the right cover, at the right price. Once you’ve received your quote just let us know when you want to go ahead and we’ll get you set up.
With over 25 years' experience in the landlord market, we understand the risks that landlords face and have designed policies to fit the needs of commercial landlords. Our team of commercial property experts will take the time to understand your property and its occupancy so we work can with leading underwriters such as NIG, Allianz, Zurich and more to shape the right insurance solution for you.
Whether you’re the freeholder, leaseholder or management company, we'll help you find the right cover.
A simple insurance solution for complex property portfolios, including both commercial and residential lets.
Comprehensive landlord insurance for more unique homes from our partners, A-Plan.
Renting to tenants with pets isn’t always a walk in the park. Our NIG policies include pet damage as standard.
Landlord insurance that provides extended unoccupancy cover for properties let to students.
Buildings and contents cover from Endsleigh, including up to £25,000 malicious damage cover.
Our friendly team are ready to talk to you:
Monday-Friday, 9am-5pm
Call us on 0333 234 0039