Click here to compare very good quotes from the UK's leading commercial property insurance companies.

 Commercial properties, no matter what size
 Commercial buildings & contents covered

Compare quotes from top UK insurers
Hassle free - complete just one quick, easy form

Compare commercial property quotes

Why Use Us?



UKLI COMPARE guarantee your confidence when shopping online by following the latest internet security standards.



At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.



Using the services here on our website is always free to the consumer 100%.



Get your quotes by filling in one simple form, compare prices, and start saving.

Why Use Us?


Secure & Encrypted Form Data

UKLI COMPARE guarantee your confidence by securing online forms by following the latest internet security standards.


Happy Returning Customers

At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.


100% Free Comparison Service

Using the services here on our website is always free to the consumer 100%.


You Could Save Time and Money

Get your quotes by filling in one simple form, compare prices, and start saving.

A Guide to Commercial Property Insurance

  1. Do you own commercial property?

  2. Is it insured with specialized commercial property insurance?

If you’ve answered yes to both these questions, do you fully understand what a policy does?

This guide is going to provide you with all the information you need.

  • If you own commercial property which isn’t insured, this guide is going to help you choose the right insurance company and cover and all for free, promise you.
  • Whether you’re a business owner, commercial property developer or landlord, insurance for your commercial property is something you need to think about very carefull, and you'll get that help here.

What is Commercial Property Insurance?


Commercial property insurance protects your commercial property and physical assets from various types of peril.

These perils can include fire, theft, and natural disasters. A range of different businesses carry property insurance, from manufacturers and retailers to non-for-profit organisations and landlords. Commercial property insurance for landlords and other types of business can be costly.

It is, however, possible to deduct the cost of your commercial property owner insurance premiums as expenses.

Several different factors are taken into consideration when you request a commercial property insurance quote. These factors include the location of the property, type of construction, type of occupants, and whether any fire and theft protection measures have been taken.

As well as the building itself, this type of insurance also covers specific physical property. These items of property can include inventory, manufacturing and processing equipment, accounting records, relevant company documents, office equipment, signs, and satellite dishes.

Compare commercial property insurance quotes - click here.

What Does It Cover?

A commercial building is exposed to a wide variety of risks.

These commercial property insurance risks include:

  • Subsidence
  • Flooding
  • Storm damage
  • Fire
  • Explosions
  • Earthquakes
  • Escape of water, for example, from burst pipes
  • Impacts from falling objects, for example, trees and branches, or collisions from vehicles or aircraft
  • Vandalism

And other things you may want to know?

  • Not all of these risks are covered under the basic commercial property owner insurance. If there has been a record of flooding or subsidence, special conditions may be imposed. Cover might even be declined. In such cases, speciality insurance is required.
  • When choosing the level of cover, make sure the insured sum is enough to cover the cost of complete reconstruction. Should your property be destroyed, costs will include site clearance, the rebuilding of the building, together with the services of architects, surveyors, and engineers.
  • Commercial property insurance for landlords and business owners also covers the cost of any contents. Property such as stock and supplies, specialist fixtures and fittings, plant, equipment, and machines are covered. Contents are also covered against theft, damage, loss, and similar risks.

How Much Does It Cost?

The price of your commercial property insurance depends on several different things.

  1. Factors that affect the cost include the size of the property and the rebuild costs.

  2. How much contents, equipment, and stock needs to be covered, and how many locations there are to insure are also crucial factors.

  3. That's why it's a good idea to let the experts help you with this.

The best way to find out is by asking a property insurance expert, here.

Compare commercial property insurance quotes - click here.

What Does It Cover?

There are two types of commercial property cover:

Commercial Buildings Insurance – this type of insurance covers the costs if you need to repair or rebuild your commercial property, should it be damaged or destroyed. When comparing different insurance company policies, you must look at the cover provided. It should cover the total cost of rebuilding the property, rather than its market value or sales price.

Commercial Contents Insurance – this type of insurance covers the cost of replacing equipment and stock, should it be stolen or damaged. Insurance cover for your contents should relate to the cost price, rather than the sales price of the items.

  1. Should there be times of the year when your stock levels are higher than average, your insurance must also cover the extra stock.

  2. So get the books out and cover yourself for your highest stock holding year, lets say £1,000,000.

There are two types of business contents insurance: replacement as new, and indemnity policies.

A 'replacement as new' policy allows you to replace an item with a new one, should it be stolen or damaged beyond repair. An indemnity policy, on the other hand, takes wear and tear into account, replacing items at their current value, rather than the original amount.

What Does The Coverage Include/Exclude?

Coverage includes buildings, contents, and the property of others in your care.

  1. Cover doesn't usually include commercial vehicles. Commercial property insurance comes under separate cover. We've already looked at buildings and content cover, so let's touch on the subject of insurance to cover the property of others.

  2. If your business contains property that belongs to others, you can cover these items under your business insurance. Let’s give you an example to demonstrate what we mean.

Imagine you have to borrow a photocopying machine from a neighbouring business and your business premises burn down. The copy machine is covered, together with any other equipment you’ve borrowed or hired.

  • There is generally a limit for this section of your coverage, separate from the contents coverage.

  • The limit tends to be very low, but can be increased if you pay an additional premium.

What Does a Basic Insurance Policy Come With?

Basic commercial property insurance coverage can be purchased to cover named or open perils.

If you choose named perils, it means property cover only includes specifically named perils in the insurance contract.

An open perils policy, on the other hand, covers all risks except those expressly excluded.

The premium for an open perils policy is higher than a named perils policy. The reason for this is that the policy is more comprehensive.

Named perils include:

• Fire or lightning
• Theft or vandalism
• Explosion
• Water damage, sprinkler leakage, burst pipes
• Damage from vehicles or airplanes
• Smoke from accidental fire
• Windstorm or hail
• Riots or civil commotion
• Building or sinkhole collapse

There are several additional perils excluded from an open policy.

For example:

• Fungus and mould
• Animal or insect infestations
• Corrosion or rust
• Mechanical breakdowns
• Sewer backups

Making sure you get what we're talking about.

  1. Certain perils are generally excluded from a named perils policy. These include wear and tear, nuclear reaction or war, pollution, robbery and burglary, power or computer failure, and changes in temperature or humidity.

  2. An open perils policy covers your property if it is lost or damaged for whatever reason. Unless, of course, the perils are specifically excluded.

  3. When deciding on your property insurance coverage, don’t forget to factor in any excess you might be required to pay.

Compare commercial property insurance quotes - click here.

Is Theft Covered?

Yes, a good policy can.

Commercial contents insurance covers your property should your business becomes a victim of theft.

Does it Cover Fire Damage?


Damage cause by fire is included in this type of insurance, under commercial buildings insurance.

Is Flood Damage Covered?

  1. In the UK, the Government’s Flood Insurance scheme is available for homeowners who are at a higher risk of flooding. Unfortunately, this scheme does not extend to business property owners.

  2. Flood can have a devasting effect on a building, which is why it’s often better to purchase additional coverage to cover your property against the risk of flooding.

Are Roof Leaks Covered Under Property Insurance?

  1. As a general rule of thumb, roof leaks are not covered by your business property insurance.

  2. This is because insurance policies are not designed to cover repairs or damage as a result of general wear and tear.

Why Is It Important to Have Insurance Cover for Your Commercial Property?

It’s not a legal requirement that you have insurance for a commercial property.

  1. It may, however, be a requirement if you’re getting finance from a mortgage provider. While it might not be a legal requirement, it makes sense for your commercial property to be covered against many different perils.

  2. If you’re a victim of theft, natural disaster, and any number of other perils, your business is going to suffer. With the right kind of insurance, you can limit your losses.

How Much Do I Need?

The level of coverage needed depends on several factors.

If you’re insuring your business buildings, you have to consider the cost of rebuilding the building from scratch. For buildings contents, the level of cover is based on the cost of replacing the items.

You have two options.

  • You can work out how much they’re worth and insure the contents on an as new basis. In other words, the cover you get allows you to replace any lost, stolen or damaged beyond repair items with new.
  • The other option is an indemnity replacement policy. In this case, cover takes into account wear and tear.

What Companies Offer This Type of Property Insurance?

Across the UK, there are several insurance providers that offer insurance for commercial property owners.

Which one you choose depends on the level of customer service and brand trust.

Here are a few examples of the kind of company you need to look for.

Aviva – provides commercial property insurance for landlords and business. Insurance solutions can be tailored to meet your needs. Aviva uses a network of insurance brokers to find a policy that suits you. Up to 20 commercial properties can be included in one policy.

AIG – provides property insurance designed with the commercial owner in mind. AIG can provide specialist cover for niche premises, together with a range of other business insurance products.

RSA – RSA sells its insurance products through insurance brokers. Comprehensive buildings cover is available. RSA has a preference for business with large portfolios of mixed commercial property, office and retail, and out of town complexes for entertainment.

AXA – AXA provides commercial insurance suitable for surgeries, offices, shops and other types of premises. Policies can be tailored to suit specific needs. They also provide business cover for people who work from home.

Direct Line for Business – policies from this provider are designed to meet the needs of the small business owner. Cover can be tailored to suit individual business needs.

How to Purchase Your Insurance?

Before you purchase your insurance it’s always best to ask for a commercial property insurance quote.

In order to do that, you’ll have to assess your insurance needs.

  • Your commercial property is going to face different risks, depending on its location and the weather. Certain weather conditions such as flooding, hurricanes and wind damage may need to be covered under an additional policy.
  • Whether you’re going to be renting out the property is also going to affect the type of coverage you need.

If you need an insurance quote there are several avenues to explore.

  • Contacting an insurance provider is the obvious choice. However, there are other options. There are many online insurance companies you can ask for a quote, together with comparison sites and online brokers.
  • Gather all the necessary information because you’ll need to provide it when asked. It’s always best to shop around when it comes to purchasing insurance. Get several quotes because it allows you to comparison shop and find the best premium.
  • When comparing prices look closely at the figures given for replacement cost and cash value coverage.
  • When you’ve found the right cover for your needs, at a price you can afford, the application process is simple. For the majority of insurance providers, everything can be done online.
  • Before signing your policy agreement, read the documentation carefully. Note any exclusions and excesses. Only sign when you’re completely satisfied the policy you’ve chosen meets your needs.

Commercial Property Resources

Compare commercial property insurance quotes - click here.

Link (New window) - Commercial property buying guide.

Link (New window) - More on commercial property insurance from Investopedia.

Hit us up on Social media

Recent Articles

  1. Commercial Solar Panel Installers Scotland | Get Local Quotes

    Feb 26, 24 12:05 PM

    Commercial solar panel installers Scotland | Get the helping hand you need from starting your solar installation right through to the finished result and...

    Read More

  2. Solar Panels for Business & Solar for Business Quotes | UKLI Compare

    Feb 24, 24 08:56 AM

    Get information on solar panels for business and know the score and get local business solar quotes near your business.

    Read More

  3. Solar Panels | Cost of Installation And Savings | UKLI Compare

    Jan 31, 24 03:19 PM

    solar panels
    Learn about solar panels and what they can do for your house or business as renewable energy replacement. And if you need a quote on solar panel installation you can do that here to.

    Read More

  4. Compare Landlord Insurance Quotes - Save Time & Money | UKLI Compare

    Dec 22, 23 10:04 AM

    Compare landlord insurance quotes and adequately cover your assets with buildings and contents insurance, or add extra landlord protection.

    Read More

  5. HGV Insurance for 18 Year Olds | Compare Quotes | UKLI Compare

    Dec 21, 23 05:06 PM

    If you are looking for HGV insurance for 18 year olds it might be a difficult if you don't ask the company. Compare quotes and find out...

    Read More

  6. Commercial Solar Panels | UK's Best Business Solar 2023 | UKLI Compare

    Dec 09, 23 05:14 PM

    Commercial Solar installation
    Commercial solar panels are the efficient way to save your business money from one long-term cost and the government offers tax benefits. Compare quotes with us today and...

    Read More

  7. Commercial Solar Installation London | UKLI Compare Solar

    Nov 09, 23 11:46 AM

    Solar London
    Compare quotes on commercial solar installation in London and get the best possible price and a cost breakdown before you even start talking to serious installers wherever you live in London.

    Read More

  8. Commercial Solar Panels (11-50kw) Systems | UKLI Compare

    Oct 31, 23 10:23 AM

    Commercial solar panels from 11kw 50kw for business premises

    Read More

  9. Landlord Insurance for DSS Tenants | UKLI Compare

    Oct 31, 23 05:13 AM

    Landlord insurance for DSS tenants need certain cover and your luck to had the expert here waiting to help you. Compare quotes and...

    Read More


    Oct 30, 23 08:21 AM


    Read More

  11. Grants for Commercial Solar Panels | UKLI Compare

    Oct 28, 23 06:36 AM

    grants for commercial solar panels
    Here is a detailed guide on grants for commercial solar panels for your small, medium or large business in the UK and...

    Read More

  12. Commercial Solar Quotes | 51kw+

    Oct 27, 23 09:12 AM

    Commercial Solar Quotes | 51kw+

    Read More

  13. Commercial Solar Quotes | 4kw - 10kw

    Oct 27, 23 09:10 AM

    Commercial Solar Quotes | 4kw - 10kw

    Read More

  14. Commercial Solar Quotes | UKLI Compare

    Oct 27, 23 09:01 AM

    Get Commercial Solar Quotes from Local Solar Installers

    Read More

  15. Solar Panel Installation Quote | UKLI Compare

    Oct 26, 23 11:18 AM

    Get your solar panel installation quote from vetting and local installers who can get the job done in smart time and make sure that your a happy chappy.

    Read More

  16. Solar Panel Installation | Home & Commercial Installs | UKLI Compare

    Oct 26, 23 11:03 AM

    Compare solar panel installation quotes and get the best possible price and quality installation practices with the right installers you can count on and...

    Read More

  17. Fleet Insurance Providers | Get The Right Quotes | UKLI Compare

    Oct 26, 23 05:48 AM

    fleet insurance providers

    Read More

  18. Fleet Insurance 21+ Drivers | Get Quotes at UKLI Compare

    Oct 25, 23 07:29 AM

    Calling all business owners with young drivers and need fleet insurance for 21+ employees and...

    Read More

  19. Fleet Insurance 18+ | Fleet Insurance 18 Year Old's | UKLI Compare

    Oct 25, 23 05:47 AM

    Compare fleet insurance 18+ and make it easier for fleet insurance for 18 year old driver's within your business and...

    Read More

  20. Fleet Insurance Birmingham | Compare Quotes | UKLI Compare

    Oct 24, 23 01:25 PM

    When you need fleet insurance in Birmingham and want to save some money for family fleet insurance and even business vehicles you're in the right place for...

    Read More

  21. Fleet Insurance How Does It Work? | UKLI Compare

    Oct 24, 23 12:49 PM

    Question? Fleet insurance how does it work? Let's find out business owners with multiple vehicles and...

    Read More

  22. Fleet Insurance for Business | New or Existing Business | UKLI Compare

    Oct 24, 23 10:22 AM

    Come on in and get brilliant quotes on fleet insurance for business use for all your vehicle requirements, including cars, vans, taxis, HGV's and bike...

    Read More

  23. Student Landlord Insurance - Get Expert Help Here | UKLI Compare

    Oct 24, 23 09:41 AM

    Compare student landlord insurance or student let insurance for tenants and save yourself the bother going...

    Read More

  24. Taxi Fleet Insurance for New Business | UKLI Compare

    Oct 23, 23 10:14 AM

    Compare taxi fleet insurance for new business start ups and you could save quite a bit of cash while starting your new business and insuring your new fleet.

    Read More

  25. Any Driver Fleet Insurance | UKLI Compare

    Oct 23, 23 09:45 AM

    Compare any driver fleet insurance quotes from the fleet insurer of your choice and let them handle your vehicle fleet reequipments your searching for today and...

    Read More

  26. Taxi Fleet Insurance Online Quotes | UKLI Compare

    Oct 23, 23 08:45 AM

    Compare taxi fleet insurance quotes in minutes and be on your way to a new taxi policy for 2+ taxis and...

    Read More

  27. Fleet Insurance No Claims Bonus Quotes | UKLI Compare

    Oct 23, 23 07:30 AM

    Fleet insurance no claims bonus policies can be more expensive no matter who you take out a policy with, so get started with a good insurer and the right money.

    Read More

  28. Fleet Insurance Brokers | Business or Family Vehicles | UKLI Compare

    Oct 23, 23 06:53 AM

    Get help with the right fleet insurance brokers who can guide you with your whole fleet vehicles from 2+ vehicles right up to 3000+ vehicle fleets and...

    Read More

  29. Compare Taxi Insurance Quotes and Save a Penny or Two | UKLI Compare

    Oct 23, 23 06:47 AM

    Compare taxi insurance quotes with the best taxi insurers you want to take a policy out with and you could save time and a lot of money taking a quote from.

    Read More

  30. Fleet Management Insurance | UKLI Compare

    Oct 23, 23 06:04 AM

    Compare fleet management insurance quotes and get the right help to manage your small or large vehicle fleet and make sure that...

    Read More