Commercial Property Insurance

Commercial property insurance

Whether you own an office block, a retail premises or any other type of commercial property, it is important to ensure you have the right kind of insurance.

Here at Adler, we offer a variety of policies, including commercial property owners’ insurance and commercial property owner insurance, as well as office block insurance.

As experts in providing cover for commercial properties, our team will work with you to find the right cover for your specific requirements. We also offer portfolio insurance, which could be the ideal option if you own multiple properties, making it easier to manage renewal dates and make claims.

Does my property need insurance?

Commercial property insurance is necessary, whether you operate a business from the property yourself, or lease it out. After all, a commercial property is a significant investment, and insurance is important for protecting the asset.

Policies will usually provide building protection, providing financial compensation in the event of an unexpected incident - such as fire, vandalism, or storm damage, and normally include an element of property owners’ liability.

What’s more, if you have a mortgage on the commercial property, it is likely that your lender will require you to have at least a basic level of commercial property owners’ insurance.

What does commercial property insurance cover?

Commercial property policies from Adler have access to a 24-hour dedicated claims team, with policy wordings designed just for property owners.

Policies are available to cover a wide range of properties and business types, including:

Office blocks
Warehousing
Industrial manufacturing
Shopping centres
Low, medium and high retail occupations
Food businesses
Restaurants, cafes and public houses
Nightclubs, entertainment and leisure
Unoccupied premises
Buildings under construction
Multi-tenure premises

Adler can also offer specialist cover, For example, advance or anticipated rental income, excess third party indemnities (Limits of £10 million to £50 million are available), Directors’ and officers’ liability, Restrictive covenant, Defective tile and other indemnities.

Other considerations should include covers for as lift, escalator in the form of engineering insurance, terrorism insurance, and professional risk and specialist contractors’ liability. Business owners and managers may also want to consider offering their employees’ healthcare benefits.

Get your property insured with Adler

Here at Adler, we have a wide understanding of the commercial property insurance sector, and our extensive experience spans the UK’s industrial, property, construction, and professional business sectors.

We have access to a variety of specialist schemes that we have designed specifically, including:

As part of our service to you, we will provide personal site visits whenever necessary. This will give us the opportunity to get to know and understand your business and its insurance needs.

We will also provide you with the relevant documents and premium data so you can make an informed decision when selecting your insurance policy.

To find out more, contact Adler on 0121 764 5500. You can also request a quote for commercial property insurance by completing the online request form.