Buildings & Premises Insurance (Property / Structure)

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Protect the physical structure of your commercial premises – walls, roof, fixtures & more – against fire, flood, storm, impact and accidental damage.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

SPECIALIST BUILDINGS & PREMISES INSURANCE

  • Property damage

    PROPERTY DAMAGE

  • Landlords & owner-occupiers

    LANDLORDS & OWNER-OCCUPIERS

  • Business continuity

    BUSINESS CONTINUITY

  • Multi-premises portfolios

    PORTFOLIOS & MULTI-SITES

Protect the Fabric of Your Business

Whether you own a single unit or a portfolio of commercial properties, buildings insurance is critical. It covers the cost of repairing or rebuilding the physical structure after insured events such as fire, flood, storm, escape of water, impact damage and more.

What Buildings & Premises Insurance Can Cover

Tailored protection for the structural elements of your premises – from foundations and walls to roofs, canopies, fixed plant and external fixtures.

  • Rebuild or repair costs following fire, explosion or major damage
  • Damage caused by storm, flood, escape of water or impact
  • External features such as signs, gates, fences and forecourts (where selected)
  • Landlords’ fixtures & fittings and structural improvements
  • Professional fees, debris removal and site clearance following a loss
  • Options for accidental damage to the building fabric
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Who Needs Buildings & Premises Insurance?

Typical Policyholders

  • Owner-occupier businesses (shops, offices, warehouses, surgeries)
  • Commercial landlords and property investors
  • Companies with head offices, depots or industrial premises
  • Mixed-use and multi-tenant commercial buildings
  • Portfolios with multiple commercial units

Key Risks to Consider

  • Major fire or explosion rendering the premises unusable
  • Storm, flood or escape of water causing structural damage
  • Impact from vehicles, falling trees or collapsing structures
  • Vandalism or malicious damage to building fabric
  • Incorrect rebuild sums insured leading to underinsurance
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Why Arrange Buildings Cover with Insure24?

  • Access to leading UK commercial property insurers
  • Support with setting realistic rebuild / reinstatement sums insured
  • Options for unoccupied, partially occupied or mixed-use premises
  • Ability to combine with liability, contents and business interruption cover
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When a major leak damaged our warehouse structure, Insure24 helped us get the building repaired quickly. Their guidance on rebuild values proved invaluable.

Daniel P., Distribution Warehouse Owner

FREQUENTLY ASKED QUESTIONS

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What is Buildings & Premises Insurance?

It is insurance that covers the cost of repairing or rebuilding the physical structure of your commercial property – including walls, roof and permanent fixtures – following insured damage.

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Do I need buildings insurance if I am a tenant?

Usually the freeholder or landlord insures the main structure, but tenants may still need cover for improvements, shop fronts or internal fit-out. Always check your lease responsibilities.

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How is the sum insured calculated?

The sum insured should reflect the full rebuild cost of the property, including professional fees, demolition and debris removal. Market value is not the same as rebuild value – we can help you assess this.

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Does buildings insurance cover contents and stock?

No – buildings cover is for the structure and fixed items. Contents, machinery and stock are usually insured under separate sections, which can be combined with your buildings policy as part of a commercial combined package.

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