Commercial Landlord Insurance

If you rent out your property for business purposes, protect your investment with commercial landlord insurance.
Call 01788 818 733
  • Compared against 9 leading insurers
  • Quote for various commercial buildings including shops, offices and warehouses
  • 20+ years of experience

What does commercial landlord insurance cover?

  • Storm
  • Escape of Water
  • Fire
  • Flood
  • Property Owners Liability

What isn't covered

  • Wear and Tear
  • Damp
  • Contents unless specified

Types of commercial properties we insure

Do commercial landlords need insurance?

Since commercial properties are usually bigger and have higher maintenance costs, they are usually a larger investment than residential properties. However, the return on commercial properties is higher and tenants will sign up for longer-term contracts which gives landlords stability.

Renting out a commercial property comes with more risks. For example, hazardous activities can be carried out in factories, increasing the chances of making a claim compared to residential buildings.

As commercial landlords have made a greater investment and there are more risks, it's even more important to take out insurance. If the property was damaged and uninhabitable the landlord's cash flow would take a hit. Insurance protects your investment against insurable perils and gives you peace of mind; commercial landlord insurance doesn't have to be expensive either.

How much does commercial landlord insurance cost?

The cost of commercial buildings insurance for landlords will depend on numerous factors such as:

  • The type of commercial property
  • The age of the property
  • Property location
  • Rebuild costs
  • The type of business that will be running from the property
  • The level of excess
  • The number of properties that you want to insure - we offer multiple property discounts
  • Your claims history

Frequently Asked Questions

Advice Centre for Landlords

Image of a shop to let sign. The complete guide to commercial landlord insurance 15-11-2023

You are a commercial landlord if you operate your own business from a property or rent it out for other businesses to use as their company premises. Similarly to residential landlords, commercial landlords can benefit from their property generating a steady long-term income.  At CIA, we are energetic landlord insurance specialists who know our stuff. […]

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Image of two men shaking hands on a deal in an empty office space. How to become a commercial landlord 15-11-2023

In 2021, there were around 4.6 million privately rented households in England. But there are also thousands of commercial landlords in the UK who own industrial units, warehouses, office spaces, restaurants, pubs, and more. Owning a commercial property and letting it out can be your gateway to a reliable long-term rental income.  But how do […]

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A businessman on the phone next to a sign that says 'for rent'. What are the responsibilities of a commercial landlord? 04-01-2024

The volatility of the residential property market in recent times has led to many landlords opting to invest in commercial property, especially commercial properties in London. Becoming a landlord is a big responsibility, but what are the responsibilities of being a commercial landlord? How do they differ from the responsibilities of residential landlords?  Here, our expert […]

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