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Commercial Property & Office Building Insurance
Commercial property represents one of the largest financial exposures for office owners, landlords and managed workspace providers. Damage to buildings can result in significant repair costs, loss of rental income and operational disruption.
Commercial Property & Building Insurance from Insure24 protects the physical structure of office buildings, helping ensure rapid recovery following insured damage.
This cover is suitable for standalone offices, office blocks, serviced office centres and mixed-use commercial properties.
What Is Commercial Building Insurance?
Commercial building insurance covers the permanent structure of an office or commercial property, including the fabric of the building and fixed installations.
Typically Covers
- Walls, floors and roofs
- Doors, windows and glazing
- Electrical and plumbing systems
- Heating, air conditioning and lifts
- Fixed fixtures and fittings
Who Needs This Cover?
- Freeholders and building owners
- Commercial landlords
- Serviced office operators
- Property management companies
What Risks Are Insured?
- Fire, smoke and explosion
- Flood and escape of water
- Storm and weather damage
- Vandalism and malicious damage
- Impact and accidental damage
Landlord vs Occupier Responsibilities
In office environments, insurance responsibilities are often split between the building owner and the businesses occupying the premises.
Landlord / Owner Responsibilities
- Insuring the building structure
- Communal areas and shared facilities
- External fixtures and access areas
Occupier Responsibilities
- Office contents and equipment
- Business interruption cover
- Employers’ and public liability
Additional Covers to Consider
- Loss of rent or business interruption
- Terrorism insurance
- Property owners’ liability
- Legal expenses cover
FREQUENTLY ASKED QUESTIONS
+-Who should insure a commercial office building?
The building owner or landlord is usually responsible for insuring the structure of the property.
+-Does building insurance include contents?
No. Building insurance covers the structure, while contents insurance covers movable business assets.
+-Is loss of rent covered?
Loss of rent can often be included as an optional extension following insured damage.
+-Are serviced office buildings insured differently?
Serviced office buildings often require tailored cover due to multiple occupiers and higher footfall.
+-Can cover start immediately?
Yes. Cover can usually start immediately once your quote is accepted and payment is confirmed.