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What Is Commercial Property Insurance?
Commercial property insurance is a type of insurance that protects businesses from financial losses due to damage or loss of their physical assets. These assets can include:
What Is Covered Under Commercial Property Insurance?
Like regular home insurance, there are two types of commercial property cover – buildings insurance and contents insurance.
Buildings insurance will cover the rebuild or repair costs of the building itself. It offers protection in the event of:
What Is Not Covered By Commercial Property Insurance?
Extra Protection
Additional Cover Options
Property Owner Liability
Property Owners’ Liability Insurance will enable you to meet any costs and damages awarded to a member of the public if they suffer an injury following an accident on, or linked to, your premises
Accidental Damage
This offers cover if your tenants accidentally damage your building or contents – if someone knocks a hole in the wall when putting up a shelf, for example.
Commercial Landlord Contents Cover
Commercial landlord contents insurance covers the furniture, fixtures, and fittings provided by the landlord in a commercial property.
Professional indemnity insurance
Professional indemnity insurance protects you against claims for loss or damage made by clients or third parties as a result of the impact of negligent services you provided or negligent advice you offered
Employers’ Liability Insurance
Covers the costs of employee claims for illness or injury caused by their work due to employers’ negligence
Public Indemnity Insurance
Public liability insurance can cover compensation claims if you’re sued by a member of the public for injury or damage
Essential Details
What information will you need to compare Commercial Property insurance with Try compare
Information About Yourself
Some basic information about yourself including name, address and contact details.
Details about the Property you want to insure
This will include the Rebuild Costs, and the type of commercial property it is and what it does.
The level of cover you need
This will include buildings cover level, and what additional extras you need in place based on the type of property.
Maximize Savings
How Can I get the cheapest Commercial Property insurance Quotes
Build up Claims history
With Commercial Property Insurance you build up claims history each year. This is like a no claims discount for a vehicle policy
Compare Quotes
Compare Commercial Property Insurance Quotes with Try Compare as you can save on average of up to £519* when you compare Commercial Property Insurance.
Pay annually
By paying annually you save on the monthly interest rates you would if you paid monthly. This can be as much as 10%
Speak to Multiple Brokers
Its Important to speak to multiple brokers which Try Compare helps you with. They can provide you a whole of market comparison.
Keep the property in a good state of repair
Make sure the property is in a good state of repair by using qualified tradesman whenever a problem arises.
Customise your Commercial Property Insurance
There are lots of ways to save on a fleet insurance policy some but not limited to would be fleet vehicle excess levels or choosing the right level of cover such as Fully comprehensive over Third party cover.
Required Details
How do I make a claim on Commercial Property Insurance
Report the claim to your insurer
Its important to call your insurer as soon as a problem arises. Do not leave it days as this may invalidate your claim.
Provide supporting documents
Your insurer will need your insurance policy details, this will include your policy number and any evidence you have of the claim. If you can send in photos this will also help.
After reporting the claim
Your insurer will have to investigate the claim and speak to any witnesses or even come out to view the property themselves. Once all has been confirmed and passed the insurer will pay out the claims costs for any damages or repairs to the property.
Why Choose Try Compare For Commercial Property Insurance?
Compare very cheap Commercial Property Insurance with Try Compare and get the competitive insurance quotes available to you and save money. The insurance providers can help you insure your Commercial Property on a monthly or annual basis.
Compare Commercial Property Insurance quotes today to find out if you could save
We Also Offer Insurance For Standard Property Insurance for family homes
Try Compare can also compare Landlord insurance quotes with a panel of UK insurance brokers. Try Compare and see if you can save!
Your Answer
Frequently asked questions & searching answer.
Why is it important to have the correct Commercial Property cover?
With good Commercial Property Insurance comes peace of mind and it’s worth remembering that having insufficient insurance for your property is illegal.
What add-ons are available to enhance my Commercial Property Insurance?
Property Owner Liability: Property Owners’ Liability Insurance will enable you to meet any costs and damages awarded to a member of the public if they suffer an injury following an accident on, or linked to, your premises
Accidental Damage: This offers cover if your tenants accidentally damage your building or contents – if someone knocks a hole in the wall when putting up a shelf, for example.
Commercial Landlord Contents Cover: Commercial landlord contents insurance covers the furniture, fixtures, and fittings provided by the landlord in a commercial property.
Professional indemnity insurance: Professional indemnity insurance protects you against claims for loss or damage made by clients or third parties as a result of the impact of negligent services you provided or negligent advice you offered.
Employers’ Liability Insurance: Covers the costs of employee claims for illness or injury caused by their work due to employers’ negligence.
Public Indemnity Insurance: Public liability insurance can cover compensation claims if you’re sued by a member of the public for injury or damage
How do I reduce the cost of my Commercial Property Insurance?
Reducing the cost of your Commercial Property insurance is possible with a few considerations. Here are a list of things for you to think about when trying to find cheaper Commercial Property insurance;
- Use us to shop around to compare different Commercial Property insurance quotes from many insurance providers.
- If possible, pay up front to save even more money.
- Cut additional cover if you have any – policy add-ons come at a cost but its important to make sure you are correctly covered.
- Increase your voluntary excess – insurers will then pay less towards any claims, but this is likely to reduce your premium price.
Do I Need Commercial Property Insurance?
Yes, Commercial Property insurance is a legal requirement for all those who own commercial properties. without insurance is a serious driver offence so be sure to get at least the very minimum.
Will any insurance claim increase my insurance premium?
Any Commercial Property insurance claim will increase your premium.
What types of Commercial Property Insurance can I purchase?
The three primary coverage options available are: Basic form insurance: Provides the most limited coverage. Broad form insurance: Offers intermediate levels of protection. Special form insurance: Offers the most comprehensive protection
What details do I need to provide to get Commercial Property Insurance?
- Your personal details – name, date of birth, address, marital status, job title.
- Your bank details – Required if you are setting up a direct debit to pay your premiums monthly.
- Claims history – Your insurer must be made aware of all incidents involving your property.
- Details of your property – Your insurer must be made aware of all the information needed in our quote form to provide you with a quotation.
How can Try Compare help you to get cheaper Commercial Property Insurance?
Try Compare will connect you with a variety of Commercial Property insurance brokers that can give you a quotation for your Property in just a few clicks.
What is an insurance policy excess?
An insurance policy excess is an amount you pay in the event of a claim. This amount is deducted from the amount your insurer puts towards the rest of your insurance claim, should it arise. If you opt for a higher excess, your insurance will typically be cheaper as the insurer won’t need to put as much toward a claim, again, should it arise.
Try comparing insurance with differing excess policies to see the differences you could get with your quotes.