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Commercial Building Insurance For Landlords

Commercial Landlord Insurance

Horner Blakey offers commercial building insurance for landlords and freeholders via our specialist knowledge and insurer market contacts and underwriters.

As a commercial landlord, safeguarding your investment is paramount.

Whether you own a single property or manage a diverse property portfolio, we have the right insurer relationships and knowledge to obtain coverage options for your commercial property placement.

Commercial landlord insurance offers peace of mind by covering potential risks associated with owning and renting out commercial properties.

Here at Horner Blakey, we make the process easy and hassle-free to ensure you have the right level of protection catered exactly to your specific properties and investments.

Get a quote and learn more about our different commercial building insurance for landlords by contacting our dedicated Property Team, for more information please contact Jason Ellis on 0207 929 0108 or info@hornerblakey.co.uk.

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020 7929 0108

What is Commercial Landlord Insurance?

Commercial landlord insurance and Commercial property insurance is placed onto a tailored policy wording form which allows for various legal ownerships and occupation i.e Freeholder, Leaseholder and tenant occupancy. The wording and cover that suits these requirements is known as a Property Investors policy form, it is designed specifically for property owners who rent out or lease space in their buildings for business purposes.

This type of insurance policy protects against a range of risks, including the cost of rebuilding or repairing the property following an insured event such as fire, flood, or accidental damage.

For commercial landlords, this coverage is vital in ensuring that their assets are protected from unforeseen circumstances that could lead to significant financial loss.

Horner Blakey offers various levels of cover and claims handling propositions tailored to meet the unique needs of commercial landlords and freeholders. Whether you require basic commercial building insurance for a large standalone asset or a more

comprehensive policy that includes additional protections such as Excess Indemnity Limits for Property Owners’ Liability insurance, Terrorism cover etc then Horner Blakey can assist with your needs and remove the burden of insurance.

Speak with our Property & Real Estate team on 0207 929 0108 to learn how we can help protect your assets and commercial property.

Commercial properties

Why Do Commercial Landlords Need Property Insurance?

While commercial landlords are not legally required to have commercial property insurance, it is an investment that provides a safety net against potential financial losses. Without this insurance, landlords are at risk of bearing the full cost of repairs or rebuilding if their property is damaged due to theft, accidental damage or even malicious acts.

Additionally, many banks and lenders have minimum insurance requirements that they will want to ensure are satisfied as part of finance needs and depending on the financial leverage against the asset or portfolio, we are familiar with banking and financial covenants that will need to be incorporated into the cover for loan and finance compliance.

Landlords and freeholders could be held liable for any third-party compensation claims related to property damage or personal injury that occurs on their premises.

What Does Commercial Landlord Insurance Cover?

The specific coverage can vary depending on the policy, but generally includes or can be tailored to include:

– Commercial Buildings Insurance

– Property Owners Liability Insurance

– Loss of Rent, Loss of Service Charge

– Commercial Legal Expenses

– Common part Contents Insurance

– Terrorism Insurance

– Lift Insurance and Inspection

Do Tenants or Leaseholders Need Commercial Property Insurance?

Tenants who rent commercial properties are not responsible for the commercial property insurance that covers the building itself. However, they will need to protect their trading and operational requirements linked to their own business operations this would include covering employees, liability requirements for any contracts or work undertaken, business interruption and their equipment to run their business.

Additional Coverage Options for Commercial Landlords

No matter how large or small, Horner Blakey has a wide range of agencies with the main UK property and Real Estate insurers providing both package policies and bespoke policies.

Our solutions include those clients who undertake Property Management, Block Residential Management, mixed commercial and residential asset portfolios, individual commercial buildings and individual large residential developments and blocks of flats.

Get in touch with Horner Blakey today to arrange your commercial landlord insurance cover and ensure your investment is fully protected. Call 020 7929 0108 to speak with an insurance specialist and receive a bespoke quote tailored to your needs.

Highest quality independent, expert advice.

We will negotiate the best possible insurance premium and terms for you.

Based in the heart of the city of London, at the centre of the London insurance Market

We deal with clients in London, the Home counties and across the UK

Taking the hassle out of Insurance...

Speak to a member of our dedicated team

020 7929 0108
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141-142 Fenchurch Street, London, EC3M 6BQ

Sun House, 150 High Street, Billericay, CM12 9DF

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