Cover for landlords and investors with commercial property portfolios
- Buildings cover that safeguards your property capital and rental returns
- Single policies covering multiple properties with different tenant arrangements
- Loss of rent cover maintains cash flow when damage prevents tenant occupation
What is commercial property owners insurance?
Commercial property owners insurance protects landlords and investors against building damage, rental income loss, and liability claims from tenants or visitors.
This cover addresses the unique risks facing commercial property investment and rental portfolios. We can arrange policies that includes structural repairs, rental income protection during tenant displacement, liability protection from third-party claims. You can also take advantage of optional additions, like subsidence cover and landlord contents insurance for common areas.
What's included with commercial property owners insurance
Building Structure Cover
Fire, storm, and structural damage protection. Full building protection with appropriate reinstatement values for complete reconstruction if required, covering all structural elements and building services.
Loss of Rent
Maintain income when tenants can't occupy due to damage. Essential income protection covering rental payments when property damage prevents tenant occupation and trading activities until repairs are complete.
Property Owners' Liability
Third party claims from property-related accidents. Protection against injury claims from tenants, visitors, or public arising from property ownership with appropriate liability limits for commercial properties.
Optional Add-ons
Subsidence, landlord contents, and employer's liability. Additional covers including structural movement protection, common area contents, and staff liability for managed properties with maintenance teams.
Common questions about commercial property insurance
If you can’t find an answer to your question, speak to a member of our team on 0113 323 6088
Yes, we source portfolio policies for offices, retail, industrial, and mixed-use properties under coordinated cover.
Vacant property cover included with appropriate security requirements and notification procedures for empty periods.
Loss of rent applies to insured damage only. Tenant default requires separate rent guarantee insurance.
We structure policies based on lease terms, ensuring appropriate cover allocation between landlord and tenant.
Protect your property investments and rental income
Speak to a member of our team on 0113 323 6088
Parkstone Broking Ltd T/A Parkstone Insurance, 20-22 Parkside Horsforth, Leeds, West Yorkshire, United Kingdom, LS18 4DN, Company Number: 16501720
Parkstone Broking Ltd (Firm Reference Number 1035981) is an Appointed Representative of Bullerwell & Co Limited who are an independent insurance intermediary authorised and regulated by the Financial Conduct Authority (Firm Reference Number 301045).