Commercial Property Insurance

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Commercial Property Insurance
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
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Buzzvault Home Insurance

 

Home Insurance
Get a quote in less than five minutes
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Prices from over 55 brands
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Save up to 41%*
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Moneysupermarket Home Insurance Comparison

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
Up To 30% online discount. Comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.
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Up To 30% Off When You Apply Online For New Customers

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
Defaqto 5 Star Rated Home Insurance. 25% online discount for new customers
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Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
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*T&Cs apply

Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
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John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
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Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
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Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. Underwritten by U K Insurance Limited

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
Get a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
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Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
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Saga Home Insurance

Commercial Property Insurance

Whether you own an office block or a home office, commercial property insurance is a must-have part of running your business. Commercial property insurance is important not just for those who own commercial premises, but also for those who work from home – many standard home insurance policies won’t cover you for this. Commercial property insurance covers the cost of repairing or rebuilding your business premise in the event of things going wrong, as well as contents cover for the equipment and furnishings in your office, shop or warehouse. Our free comparison table below can help to make sure you get the best commercial property insurance deals around:

  • View deals side by side
  • Compare deals and online discounts
  • Apply for free quotes

Just click on the links in the table to find out more about commercial property insurance.

What is commercial property insurance?

There are two types of commercial property insurance –buildings insurance and contents insurance. Buildings insurance covers the cost of repairing or rebuilding your business premises if damaged or destroyed. Buildings insurance isn’t a legal requirement, but most commercial mortgage providers will require you to you take out a policy before they give you a loan. Contents insurance tends to be offered in one of two formats- As New cover, which replaces an item that has been stolen or damaged beyond repair with a new one; and indemnity cover – this type of policy takes wear and tear into account, replacing your items at their current value. So if you bought an item several years ago for £200 and it has a current value of £100,you will receive the lower amount if you make a claim for the item.

What can be covered by commercial property insurance?

The right commercial property insurance policy will cover you for a range of eventualities that might lead to damage to your commercial property or its contents, such as:

  • burst pipes
  • falling trees
  • fire and smoke damage
  • flooding
  • damage due to riots or other human causes
  • storm damage
  • subsidence
  • theft from the building itself i.e. roof slates
  • Theft cover – look for a business contents policy that covers theft during business hours or theft where there is no property damage or forced entry
  • Accidental damage cover
  • Out of Office cover – insurance for work equipment when it has been removed from the office, for example while travelling in a company vehicle or while and employee is working from home
  • Personal property cover for colleagues and visitors
  • Data loss cover – if you lose paper or digital data after an incident such as a fire, you could be covered or this eventuality

What is not covered by commercial property insurance?

Most commercial property insurance policies will not cover you for a few specific eventualities such as general wear and tear on the building such as might be expected over the course of time. You will also not usually be covered for damage to the building due to war or terrorism.

What is not covered by commercial property contents insurance?

Commercial vehicles will usually need to be insured separately.

Compare Building Insurance

It is important to shop around and compare a range of building insurance deals to make sure you get the best for you.

Our free comparison table makes finding the right building insurance easy:

  • View features side by side
  • Compare online discounts
  • Apply online for the best deal for you