Every commercial property investor needs specialist commercial property insurance because standard building policies are not designed to cover the higher financial, legal, and operational risks associated with commercial tenants and business use. This type of insurance protects your investment against major hazards such as fire, flood, storm damage, vandalism, and accidental or malicious damage, while also covering loss of rental income if the premises become unusable, ensuring your cash flow remains stable.
It provides essential property owner’s liability cover in case a visitor, contractor, or tenant is injured or their business is affected due to an issue with the building, and it can include legal expenses protection for disputes, lease enforcement, and debt recovery. With options for cover on unoccupied buildings, specialist fixtures, and complex commercial leases, commercial property insurance safeguards your assets, protects your revenue, and offers the professional security every property investor needs.
It matters now more than ever for commercial property investors to have the right insurance because economic uncertainty, rising repair costs, stricter regulations, and increased claims frequency mean the financial impact of even a single uninsured incident can be far greater than in previous years. With businesses facing instability, tenant defaults and vacancies are more common, making loss-of-rent and liability protection critical to maintaining steady income.
At the same time, extreme weather events, higher construction costs, and tighter compliance standards have pushed up the risks and expenses associated with property ownership. In today’s environment, commercial property insurance isn’t just a precaution – it’s a vital safeguard that protects your investment, cash flow, and legal position against the growing challenges landlords face.
“Already dealing with arrears? See our Step-by-Step Guide to Tenants Not Paying Rent for immediate advice.”
At LegalforLandlords, we don’t just sell insurance – we provide complete support for landlords.
✔ Standard cover includes legal expenses cover for the following insured incidents up to £100,000
✔ Loss of rent or alternative accommodation – Up to 20% of buildings sum insured (or 30% if you have purchased the Loss of rent extension).
✔ Cover for fire, lightning or earthquake, explosion, riot, civil commotion, malicious persons & vandals, Escape of water from any tank, apparatus, pipe or sprinkler installation.
✔ Up to £100,000 for all claims resulting from one or more event arising at the same time or from the same originating cause
X Grade II* & Grade I listed properties.
X Properties unoccupied for more than 24 months.
X Customers that do not let the property and who permanently occupy the buildings.
X Premises in the course of construction
Company: Folgate Underwriting is a trading name of Folgate Underwriting Agency Ltd registered in England and Wales No. 2852425
Authorised and regulated by the Financial Conduct Authority under reference number 304782
For full details see our Policy Document (PDF) | Policy Wording (PDF)
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