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Office block risks placed with leading UK insurers
ESCAPE OF WATER & FLOOD INSURANCE FOR OFFICE BLOCKS
Protect Your Office Block from Costly Water Damage
Escape of water and flooding are among the most common - and expensive - causes of commercial building damage. For office blocks with multiple floors, ageing pipework or high tenant turnover, the risk increases significantly.
Insure24 arranges specialist cover for office block owners, landlords and property managers, ensuring protection against burst pipes, plumbing failures, storm flooding, roof leaks and water ingress.
What’s Included in Water Damage & Flood Insurance?
Cover designed specifically for office blocks and multi-storey commercial properties.
Escape of Water (Burst Pipes & Internal Leaks)
- Damage from burst pipes, leaking joints and faulty plumbing.
- Water escaping from heating, cooling or sprinkler systems.
- Repairs to floors, ceilings, walls and fixtures.
- Damage caused to common areas and shared services.
- Tenant reinstatement costs where insured.
- Trace & Access cover to locate the source of a leak.
Flood, Storm & External Water Damage
- Storm flooding damage.
- Water ingress through roofs, skylights or external walls.
- Drainage, guttering and downpipe-related issues.
- Sewer and drainage backup (where included).
- Damage to electrical systems and plant rooms.
- Business interruption or loss of rent following water damage.
Who Is This Insurance For?
Suitable for office block owners, managers and commercial property investors.
Property Types Covered
- Multi-storey office buildings.
- Converted commercial buildings.
- Office blocks with shared services and plant rooms.
- Mixed-use blocks with office and retail units.
- Tenanted or owner-occupied office premises.
- Blocks with multiple leaseholders.
Who Typically Purchases This Cover?
- Commercial landlords and freeholders.
- Property management companies.
- Block managers and managing agents.
- Pension fund property owners.
- Commercial property investors.
- Corporate landlords with multi-site portfolios.
Why Water Damage Is a Major Risk for Office Blocks
Multi-storey buildings, shared services and extensive pipework increase exposure.
Escape of Water Risk Factors
- Aging plumbing, radiators or pipework.
- Tenants installing kitchenettes or water-fed appliances.
- Sprinkler or HVAC system failures.
- Unnoticed leaks during nights and weekends.
- Unoccupied units with freezing pipes in winter.
- Lack of early leak detection systems.
Flood & External Water Risks
- Storms and heavy rainfall causing localised flooding.
- Blocked gutters leading to water overflow.
- Inadequate drainage around the building.
- Flat roof vulnerabilities.
- Groundwater level rise or drainage failure.
- Water ingress from neighbouring properties.
FREQUENTLY ASKED QUESTIONS
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Does escape of water include burst pipes?
Yes - burst pipes, leaks, faulty plumbing joints and water escaping from heating or cooling systems are generally included, subject to policy wording and excess.
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Does this cover tenant units as well as communal areas?
Yes, where the policy is arranged on a block basis, it can cover communal areas, plant rooms and tenant demise, depending on the structure of the policy.
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Is flood cover included automatically?
Flood cover is usually included, but may be subject to higher excesses or special terms in high-risk postcodes. We advise based on your precise location.
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Can we get Trace & Access included?
Yes - most insurers include Trace & Access cover, paying to locate the source of a leak and restore affected areas.
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Does this include loss of rent?
Loss of rent or business interruption can be included to protect income following insured water damage.
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Do insurers require leak detection systems?
Some high-risk properties may be asked to install leak detection or water shutoff systems. We’ll advise on compliance requirements.
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Do insurers cover unoccupied office units?
Unoccupied units may require special terms, inspections or turned-off water supplies. We can arrange cover with appropriate conditions.
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How quickly can we get documents?
Cover and documents can be arranged very quickly depending on acceptance and details provided.