0330 043 0003

Our Opening Times

Retail Property Insurance

When you own valuable assets it’s crucial that you protect them. Buildings are no exception. You need insurance to protect against the unexpected. As a commercial landlord your tenants rely on the use of your premises to run their business.

Commercial Property Insurance

Protect your property portfolio with an ideal commercial landlords insurance cover.Our commercial property insurance policy is specifically designed for the commercial landlord, whether as an individual requirement or as a mixed portfolio of commercial and residential combined and covers a comprehensive range of commercial uses:

      • Offices, including taxi offices, travel agents, and estate agents
      • Hairdressers and beauticians
      • Restaurants, including cafés and high risk eateries, such as fast food takeaways
      • Dental surgeries
      • Car accessory stores
      • Furniture stores
      • Garden centres
      • Unoccupied commercial property

The Building Cover

Bricks and mortar might sound like the most stable and secure of structures, yet the structure and fabric of your building is exposed to a very wide range of different risks, – these might include :

        • Fire, explosions and earthquakes
        • Smoke damage
        • Subsidence
        • Flooding
        • Storm damage
        • Escape of water – from burst pipes for instance
        • Impacts – from objects such as falling trees and branches or collisions involving vehicles or aircraft
        • Vandalism

Not all commercial property insurance policies are likely to cover all of these risks – special conditions may be imposed, for instance, or cover declined if there is a past record of susceptibility to flooding or subsidence.Nevertheless, it is clear that a number of these risks may pose threats of such dimensions that the very building of your commercial premises is totally destroyed.


Click Here To Learn
More About Our
Property Insurance Product

For this reason, it is important that the total building sum insured is sufficient for the reconstruction of the entire property – including clearance of the site, the instruction of architects, surveyors and engineers and the rebuilding of your premises.

These costs are not what you paid for the property, nor its current market value, but the actual cost of reconstruction – which may change over time of course. To ensure that you update the estimate on a regular basis, you might want to consult a surveyor or other professional.

If the structure and fabric of the building is damaged or a total loss, commercial property insurance is designed to fund the cost of repairs or reconstruction.

Protect Your Commercial Property Portfolio

Letting commercial properties requires dedication, excellent people-skills and more often than not a considerable financial investment.

This is why it’s important that your commercial properties are covered with policies specifically designed to help commercial landlords protect their businesses whether they let offices, shops, warehouses or any other type of property.

Here at Moneycornershop.com we work with some of the biggest and most reputable insurance providers in the world to help our commercial landlord customers ensure their properties and investments are protected.

Start Quote Get your extensive yet affordable cover - Quotes Take Less Than 2 minutes -

Protect Your Investment
From The Risks They Face

Start Quote

What Do Your Really Need To Consider?

Whether you’re looking to protect the bricks and mortar or have belongings inside that need covering as well, your commercial landlord insurance policy can be tailored to your requirements so you only pay for the cover you need. As part of your commercial landlord insurance you should also think about insurance for any contents in communal areas. You never know what’s around the corner so you need to make sure your property is protected against the unexpected.

As the owner of the property you bear a duty of care to take all reasonable steps to ensure that visitors, customers, suppliers and members of the public suffer no personal injury or damage to their property.Once again, any claim that you have been negligent in this regard may leave you facing a substantial claim for compensation. Indemnity against such claims is typically a minimum of £1 million and may be much more, depending on the nature of your business and the type of premises you occupy.

Property Owner’s Liability

Property owners’ liability insurance provides financial protection against large compensation claims if someone is injured at your premises as a result of your negligence. Accidents happen when you least expect, and this cover can protect you against accidental damage to third party property too. For instance, if a roof tile fell and landed on a car below, you could be liable to cover the costs. Taking out property owners’ liability cover as part of your commercial landlord insurance policy can cover your liability if something goes wrong. Employers’ liability cover should also be considered if you employ anyone to maintain the building or grounds for you.

Our Experience & Relationships

Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover.

Moneycornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business. When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance. We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.

Loss Of Rent Insurance For Your Commercial Property

Loss of rent cover is an important part of your insurance that can protect your income in the event of damage at your commercial property which may result from an insured event. This means that if you have a fire or flood that renders the building uninhabitable, loss of rent cover can continue to pay you rental income while the building is reinstated meaning you shouldn’t be out of pocket.

What Is Included In A Property Policy?

  • Landlords Contents
  • Alternative Accommodation
  • All Risks Building Cover
  • Legal Expenses and Business Interruption
  • Cover against fire, floods, and weather damage
  • Equipment, technology failure, water, electrics and heating
  • Covers costs from theft, such as contents and damages
  • Cover loss of rent/lost income due to damage or repair.
  • Employers and Public Liability (if needed)

Do You Need Help In Obtaining Business Finance?

We have access to markets who provide over 1,000 product types, including asset finance : from commercial finance to Buy To Let, from invoice financing to development finance, from commercial mortgages to big business mergers & acquisitions. Just use the product selector on our check eligibility form to select the type of finance required


Quote Today

Only minutes away from Saving & Improvements to your insurance policy