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PROTECT YOUR COMMERCIAL BUILDING & BUSINESS OPERATIONS
Insurance Designed for Owner-Occupied Properties
Whether you operate a shop, office, warehouse, or mixed-use commercial building, owner-occupied property insurance protects the building structure, contents, stock, equipment, and your liability as an operator. Insure24 provides tailored cover for UK owner-occupied premises of all sizes.
What Does Owner-Occupied Commercial Property Insurance Cover?
Comprehensive protection for the buildings you own and operate from.
- Buildings Insurance – Damage from fire, flood, storm, escape of water, and more.
- Contents & Equipment – Furniture, machinery, stock, electronics, tools, POS systems.
- Business Interruption – Loss of income if your building becomes unusable.
- Public Liability – Protection if a visitor or customer is injured at your premises.
- Employers’ Liability – Required if you employ staff (even part-time or contractors).
- Glass, Signage & Shopfront Cover – Replacement of damaged windows and signage.
- Accidental & Malicious Damage – Protection from unforeseen events.
- Property Owners Liability – Legal liability for injury or damage related to your premises.
Common Risks for Owner-Occupied Buildings
- Fire & smoke damage
- Escape of water in offices or retail units
- Storm or weather damage to roofs and structures
- Theft, burglary & forced entry
- Damage to machinery and business equipment
- Stock deterioration
- Customer accidents on site
- Interruption leading to loss of income
Why Choose Insure24
- Specialist knowledge of commercial property risks
- Tailored cover for buildings you own AND operate from
- Access to multiple top UK insurers for competitive pricing
- Fast quotes & dedicated support
- Flexible cover for multi-unit, mixed-use & complex properties
How to Get Covered
- 1. Tell us about your building and business operations
- 2. We compare quotes from top UK insurers
- 3. Choose the level of cover that suits your property
- 4. Get instant confirmation of cover
Suitable for a Wide Range of Owner-Occupied Buildings
We insure small to large commercial properties across many sectors.
Shops & Retailers
- Independent shops
- Retail units
- Showrooms
- Boutiques & salons
Offices & Professional Premises
- Corporate offices
- Professional services
- Studios & co-working spaces
- Technology firms
Warehouses & Industrial Units
- Manufacturing units
- Distribution warehouses
- Workshops & light industrial
- Storage facilities
Mixed-Use & Multi-Unit Commercial Buildings
- Owner-occupied + tenanted combinations
- Multiple trading units
- Hybrid office/warehouse buildings
FREQUENTLY ASKED QUESTIONS
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What is owner-occupied commercial property insurance?
It protects the building you own and use for your business, including structure,
contents, equipment, and liability exposures.
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Does this cover both buildings and contents?
Yes - buildings, contents, equipment, stock, fixtures, and more can all be included.
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Can business interruption be included?
Yes - this covers loss of income if your premises become unusable after an insured event.
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Can I insure mixed-use owner-occupied buildings?
Absolutely - we provide solutions for mixed-use, multi-unit, and complex ownership structures.
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How quickly can I get a quote?
In most cases, we can provide indications the same day. Complex or high-value buildings may require additional underwriting.