What can commercial property insurance cover?

Regardless of your business, whether you are a florist or hairdresser, plumber or building merchants, sweet shop, newsagent or general store, protecting those who visit your business is a necessity. Commercial Property insurance could include public liability as standard which protects your business from the cost of compensation should your business cause injury or damage to property. For any business that interacts with customers, public liability is essential to protect your livelihood.

If your retail business employs staff, whether these are employees, casual or temporary workers or contractors, then it is a requirement by law for you to have employers’ liability insurance. This protects your business from claims of injury or illness from any workers both past and present.

Contents and stock insurance may also be included to your policy to protect your business assets, whether these are fixture and fittings or items that you sell. Depending on your stock items, if they are high-risk or not, you may wish to increase or lower your cover depending on the cost required to replace the items.

At Compare My Insurance, we can take into account all the different cover options you may need, which may include business interruption if you are forced to close your business for a period of time or perhaps the loss of drinks licence which can interrupt your daily running. Whatever your business needs, Compare My Insurance will find the right coverage options that you need, all in one easy to manage policy.

The insurance you need for your property depends on your business and the specific risks you want to cover. These are some of the most popular covers for commercial property:

  • Business buildings and contents insurance
  • Commercial property owners’ liability
  • Business interruption insurance
  • Theft of goods and accidental damage
  • Commercial legal expenses

At Compare My Insurance, we know that every client is different and that your business is as unique as you are. Commercial property insurance is never just an off-the-shelf insurance cover; it can be tailored to suit your exact business needs and make sure that you are covered for every eventuality. Our highly-trained team are experts in commercial insurance, so we’ll take the time to understand your business and make sure that you have the right amount of cover in place to suit your needs.

Commercial Property Insurance

Whether customers are entering your business premises or you offer any form of delivery service, damage to commercial property can happen anywhere. To protect your business from the cost of accidents and to reassure your clients, commercial property insurance can pay out for claims and keep your business running.

Commercial Legal Expenses

Slips, trips and falls are just one of the risks posed to a commercial property. Ensure your business is well protected in case of any claim of injury, property damage or to the public, with public liability insurance. If you employ a number of staff, then you may also need to include employers’ liability in your policy.

Commercial Property Owners’ Liability

Up to £10 million worth of cover for property owners liability and £100K of commercial property expenses. Public liability can help to protect your customers and your business should there be any damage to property or accidents that result in injury. Don’t forget your property’s building insurance too.

General Property Insurance

Whatever you business, if your equipment, stock or building gets damaged the cost of replacement could be unmanageable. With the right property insurance in place, you can ensure business continuity should anything happen to your commercial property. You can also increase cover for high-risk items.

Why choose Compare My Insurance?

  • Flexible policies designed to suit your business
  • Up To £1m Public Liability Cover As Standard
  • Low Policy Excess From Just £100
  • 9 years experience providing thousands of customers business insurance
  • We use A rated insurers to help you receive a quality of service if ever needed to claim
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