Do you own or rent commercial premises and require business property insurance? If so, simply find the insurer that best matches your businesses profile using the Insurance Quote finder* or get an online quote direct from the top companies listed on the right.

Alternatively, read our guide below regarding property insurance for businesses and what you need to know concerning appropriate cover and competitive quotes.

Business Property Insurance Guide

The type of property insurance required will depend on whether your business owns or rents its premises which could be shop, offices, garage or warehouse for example.

If the commercial property is rented or leased from a third party, it’s entirely possible that they are responsible for the buildings and any insurance arrangements. However, it’s likely, any equipment or fixtures and fittings installed in the property are your responsibility and therefore, contents insurance is required.

Typically, business insurance contents policies are rather like home contents and cover equipment, furniture, computers and other fixtures and fittings against theft, accidental damage, malicious damage or riot, lightning, storms, fire, explosion, burst water pipes and flooding. The scope of cover both inside and away from the property depends on the nature of business and what the insurance company is prepared to insure.

Businesses that own property are usually required to take out buildings insurance, especially if a commercial mortgage lender has lent money on the property. The main purpose for this type of insurance is to cover the business against unexpected events which may cause damage to the building such as storm, flood, lightning, explosion, water leakage or malicious damage. It is worth noting that in the wake of terrorist attacks across the globe, some insurers have withdrawn damage caused by terrorism.