Medical Office Buildings: Unique Risks and Insurance Requirements
Why medical office buildings are different
Medical office buildings (MOBs) sit in a unique space between “standard commercial property” and “healthcare premises&rdquo…






Fire is one of the biggest risks for office buildings. Whether you own, lease, or manage commercial office space, our specialist insurance covers property damage, reinstatement costs, tenant risks, fire safety compliance, and business interruption following a fire event.
Do office buildings need fire risk insurance?
Does standard property insurance cover fire damage?
Do tenants need their own fire liability cover?
Medical office buildings (MOBs) sit in a unique space between “standard commercial property” and “healthcare premises&rdquo…
If you own a commercial building and lease it to a tenant, insurance is one of the fastest ways a “simple” tenancy can turn into a costly dispute. The lease mi…
Owning an office building can look straightforward: collect rent, manage repairs, and keep tenants happy. In reality, office landlords sit on a wide set of liability exposures that ca…
Office refurbishments can be a smart way to increase asset value, attract better tenants, and future-proof a building. But they also create a very real risk: lost rental income. W…
Loss of rent (sometimes called rental income cover) is designed to replace the rent you would have received if a property be…
Office insurance is designed to protect your business when something goes wrong: a burst pipe floods the premises, a small fire damages equipment, or a break-in results i…
If you’re a facilities manager, you sit at the intersection of people, property, compliance, and business continuity. When something goes wrong—fire, flood, escape o…
Owning an office building in the UK isn’t just about keeping tenants happy and maintaining rental income. It’s also about staying compliant with a wide ran…
Office buildings look low-risk compared to construction sites, but they’re full of hidden exposures. You’ve got multiple tenants, shared areas, visitors, IT infrast…
A Building Management System (BMS) is the “brain” that monitors and controls key building services such as heating, vent…
Learn the most overlooked server room risks building owners face, from fire and water damage to cyber, power, HVAC, and liability—and how insurance can respond.
In an office building, HVAC isn’t just about comfort—it’s a critical system that protects people, property and productivity. When heating, ventilation and air c…
If you own, manage, or maintain a building with a lift (elevator) or escalator, you’re responsible for keeping that equipment safe—and for managing the financial…
Serviced offices (and flexible workspace operators) sit in a tricky middle ground. You’re not a traditional landlord, and you’re not simply a tenant either. You may cont…
Not all office tenants look the same to an insurer. Two businesses can occupy identical space in the same building, pay similar rent, and have similar headcount—yet attract very di…
A vacant office building can feel like a “quiet win” — fewer people on site, fewer day-to-day issues, and time to plan the next move. But from an insurer…
Multi-tenant office buildings are complex risks. You may have a freeholder, a managing agent, multiple commercial tenants, contractors, visitors, shared services, and …
Office buildings face very different risks depending on the season. In winter, freezing temperatures, storms and shorter daylight hours can increase the likelihood …
A fire in an office can escalate fast: smoke spreads, visibility drops, alarms create panic, and a small incident can become a serious injury claim or a major business in…
If you manage an office, you’ve probably noticed how much more glass is involved in day-to-day operations than even a decade ago: full-height glazed entrances, glass partitions, meeti…
If you manage, own, or insure an office block, you’ve probably heard the phrase “escape of water” used like a warning label. It sounds simple—w…
Office fires are rarer than they used to be, but when they happen the impact can be severe: injuries, business interruption, data loss, reputational damage, and regulatory scrutiny. The…
Service charges are a fact of life for many commercial and residential landlords—especially where buildings have shared areas, multiple occupiers, or managing agents…
Underinsurance is one of the most expensive surprises in commercial property claims. It happens when the declared value on your policy is lower than the true cost to re…
If you insure an office block, the “rebuild cost” (also called the reinstatement cost) is one of the most important numbers on your policy. Get it rig…
Office buildings feel “low risk” compared to sites like factories, pubs, or construction projects—but claims still happen all the time. In fact, offices combine …
If you own, manage, or invest in an office block, you’re responsible for more than just keeping tenants happy. You’re also responsible for the building itself, the safe…
UK office buildings are changing fast. Hybrid working has altered occupancy patterns, many landlords are refurbishing to meet ESG expectations, and building systems are more …