Commercial Building Insurance
For fast quotes, same day cover and flexible payment terms on your commercial buildings insurance, call Real today!
What is building insurance for commercial premises?
The purpose of commercial buildings insurance is to protect the building – or buildings – from which you run your business or own and sublet to other businesses. Not only can it cover you in the event of damage to the building, but also from any expensive remediation work. Buildings insurance and contents insurance for commercial properties are usually purchased together.
What does commercial buildings insurance cover?
If you own or are responsible for a commercial business premises, this type of insurance is vital to cover any unexpected damage to your building as well as its fixtures and fittings. If you rent the premises as a landlord, then it’s usually the responsibility of the landlord to insure the building for you.
Typically, the building will need to be insured up to the agreed rebuild cost – not its market value, which is likely to be more. Assuming that the right level of cover is in place, a policy will cover you for everything up to and including total loss.
Outside of the physical structure itself, buildings insurance can include cover for key fixtures and fittings – everything from a fitted commercial kitchen to a lift.
Where you own retail premises, buildings insurance can include cover for damage to the shop front – for example if a window is smashed by vandals. You can also cover security fittings such as roller grills or shutters.
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Additional cover for commercial buildings
There is a range of additional types of cover that may well be of benefit to you as the owner or manager of a commercial building. In some cases, they may be included as standard as part of a policy arranged by Real Insurance.
Legal expenses cover, sometimes referred to as legal protection insurance, is designed to protect you from costs arising from a range of potential legal disputes.
Get protection in the event that a tenant falls into arrears. If your income and profit is affected, good business interruption insurance will reimburse you for money lost.
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Why choose Real Insurance Brokers for my commercial building insurance?
Here at Real Insurance Brokers we are pleased to offer a friendly, personal service and work with a range of leading UK insurers to find you the exact cover you need. Every customer and every business is different, and we strive to find the perfect policy for you.
Speak to one of the team today and we’ll make sure you’re covered in no time.