Commercial landlord insurance

If you own a commercial property that you lease or rent out to tenants, having insurance coverage is advisable. It helps protect your investment and provides financial safeguards against potential risks and liabilities.

As a landlord or commercial property owner, there are a number of situations that could lead to claims being made against you, so it’s essential to ensure you have the right protection in place. Commercial landlord insurance will typically incorporate cover to protect you against a loss from a wide range of events, such as fire, flood, storm and many more.

At Premierline, we can arrange flexible commercial landlord insurance policies that can be as simple or complex as you need depending on your properties. When deciding what insurance you need to protect your business, you should consider the following:

• Property owners liability – protects landlords against legal liabilities for accidents or injuries that occur on their rental property.
• Employers’ liability – protects employers against legal liabilities for injuries or illnesses sustained by their employees while carrying out their work duties.
• Buildings cover – to cover for loss or damage to the buildings you let.
• Contents and stock – to reinstate your items and belongings within your property.
• Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
• Loss of rent – compensates landlords for the rental income they would have earned if their property becomes temporarily uninhabitable due to an insured event.

More information

The cost of commercial landlord insurance can vary significantly depending on various factors, including the location, size, type of property, the value of the property, chosen cover limits, chosen excess, and the specific risks associated with the property. Other factors that can influence the cost include the landlord’s claims history, the presence of safety features or risk management measures on the property, and the insurer’s underwriting criteria.

Get a personalised quote online or contact one of our business insurance brokers to find out how much your commercial landlord insurance might cost to protect your business from unforeseen circumstances.

When it comes to commercial landlord insurance there’s no ‘one size fits all’ solution. Finding the right cover for your assets can often be challenging and time-consuming. Working with some of the UK’s leading insurers we can arrange cover that’s tailored to your needs.

If you know the cover you need then you can protect your commercial property online in a matter of minutes. If your needs are more complex or you are looking for insurance advice then give us a call – our team of professional advisors are on hand to find the right commercial landlord insurance for you.

As a business insurance broker, we can arrange insurance for a range of different property owners and commercial landlords, including:

Blocks of flats, commercial properties and units, residential lettings such as buy to let and student accommodation such as houses in multiple occupation.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.