Buildings, contents, and business interruption cover for commercial premises.
Commercial property insurance protects the buildings, contents, plant, and stock your business depends on. A single fire, flood, or break-in can cost a business more than a year of profit — and business interruption cover makes sure operations keep paying while you rebuild.
We place commercial property cover across multiple insurers, sized to actual rebuild costs and real business-interruption periods — not generic sums that leave you underinsured at claim time.
The physical structure — walls, roof, fixtures, signage, boundary walls — against fire, storm, theft, and accidental damage.
Furniture, equipment, fittings, and trading stock, insured on a replacement-cost basis.
Production and specialist equipment, including breakdown and engineering cover where needed.
Replaces gross profit and fixed costs during the indemnity period while repairs or relocation happen.
Injury or damage claims from third parties — customers, visitors, or users of your products.
Cash in transit and on premises, plus glass replacement for shopfronts and specialist glazing.
Companies that own the premises they trade from — where both the building and the operation need coordinated cover.
Businesses leasing premises, needing contents, liability, and business-interruption cover even though the landlord insures the structure.
Retail chains, franchises, and groups needing one coordinated programme across multiple locations.
We analyse your risk profile in depth — exposures, loss history, contractual obligations, and strategic priorities — so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims — acting on your behalf in every conversation with the insurer.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.