Business Insurance
Commercial Property Insurance
Comprehensive protection for your business premises, contents, and the income that depends on them. Whether you own or lease your commercial space, the right cover safeguards what you have built.
Coverage
What's typically covered
Buildings
Cover for the physical structure of your commercial premises against damage from fire, flood, storm, subsidence, and other insured perils. Includes reinstatement costs and professional fees.
Contents & Stock
Protection for furniture, fixtures, fittings, equipment, and stock held on your premises. Essential for businesses where physical inventory represents significant value.
Business Interruption
Covers loss of income and ongoing expenses if your premises become unusable following an insured event. Helps keep your business financially stable while repairs are carried out.
Property Owners Liability
Protects you against claims from third parties who suffer injury or property damage as a result of your ownership of the building, including common areas and approaches.
Suitability
Who needs it?
Commercial property owners require buildings insurance whenever they hold a freehold or long leasehold interest in premises — whether those premises are occupied by their own business or let to tenants.
Landlords of commercial units have a particular duty of care towards their tenants. Adequate buildings cover, combined with property owners liability, is essential to fulfil that duty and satisfy most mortgage lender requirements.
Business occupiers who lease their premises typically need contents, stock, and business interruption cover, even where the landlord insures the building itself. A disruption to operations can be just as damaging as physical damage to property.
Speak to a Prime Key Financial adviser to identify the precise combination of cover that reflects your exposure — we work with a panel of specialist commercial insurers to find the most appropriate policy at a competitive premium.
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Ready to get protected?
Speak to one of our advisers — no obligation, no jargon.