Commercial Property Insurance typically covers the physical structure of your building against risks including fire, flood, storm damage, vandalism, and theft.

Depending on your policy, it can also include public liability, employers’ liability, business interruption, and accidental damage cover.

At RightSure For Business, we can provide cover to your property type, whether that’s a shop, office, restaurant, warehouse, or industrial unit.

Commercial Property Insurance is not a legal requirement in the UK. However, if you have employees working at the property, Employers’ Liability Insurance is a legal obligation and without adequate buildings cover, you’d be personally liable for the full cost of repairs or rebuilding following a fire, flood, or other damage.

Most commercial mortgage lenders will also require buildings insurance as a condition of the loan.

In most cases, the building owner (landlord) is responsible for insuring the structure of the commercial property.

Tenants are typically responsible for insuring their own contents, stock, and equipment within the premises.

If you’re a commercial landlord, you’ll need a policy that reflects your obligations, including any periods the property may be unoccupied between tenancies.

Yes. Standard commercial property policies often restrict or exclude cover once a building has been empty for 30 days or more.

If your property is between tenants, undergoing renovation, or temporarily unused, you’ll need specialist unoccupied property insurance.

RightSure For Business can arrange cover for unoccupied and vacant commercial buildings, with policies for your specific situation.

Business Interruption Insurance (sometimes called loss of income insurance) covers the income you lose if your property becomes unusable following an insured event such as a fire or flood.

Rather than just covering the cost of repairs to the building, it compensates for the loss of rent while you’re unable to trade.

It’s a cover worth considering alongside any buildings policy.

Yes. Mixed-use properties such as a shop with a flat above it, or a building with both commercial units and residential tenancies, can be insured under a single specialist policy.

RightSure For Business works with a panel of UK insurers experienced in arranging cover for mixed-use buildings, so you don’t need to manage separate policies for each part of the property.

There’s no single fixed price. Premiums are calculated based on factors including the type of the building, its location and flood risk, how the property is used, the level of cover selected, and the rebuild value rather than the market value of the property.

The best way to find competitive pricing is to compare quotes from multiple specialist insurers.

We search a panel of trusted UK insurers to find you the right cover at the best available price, backed by our Price Promise.

The terms are often used interchangeably, but there is a subtle distinction.

Business Buildings Insurance typically refers to cover for a premises you own and operate your business from. Commercial Property Insurance more commonly applies when you own a building and let it to other businesses as a landlord.

In practice, the cover elements are very similar, the key factor is whether you’re the occupier or the property owner letting to others.