Property Owners Insurance

Commercial Property Insurance

Specialist protection for office buildings, retail units, industrial premises, and mixed-use commercial developments.

Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What's Covered

Our commercial property insurance provides comprehensive protection for building owners, whether you occupy the premises yourself or let them to tenants.

Buildings Insurance

Full reinstatement cover for the structure, fixtures, fittings, and landlord's contents.

Loss of Rent

Cover for rental income if the property becomes uninhabitable due to an insured event.

Property Owners Liability

Protection against claims from tenants, visitors, or members of the public injured on your premises.

Terrorism Cover

Essential protection for commercial properties, particularly in city centre or high-profile locations.

Glass & Signage

Cover for plate glass windows, shop fronts, and external signage.

Engineering Insurance

Inspection and insurance for lifts, air conditioning, and other building services plant.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Flexible Cover

Tailored policies for offices, retail, industrial, and mixed-use properties.

Multi-Tenant Support

Cover designed for properties with multiple tenants and varying lease arrangements.

Business Interruption

Optional cover for loss of rent during reinstatement following a claim.

Legal Expenses

Cover for property disputes, lease enforcement, and tenant eviction costs.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Commercial property investors
Office building owners
Retail unit landlords
Industrial estate owners
Mixed-use development owners
Property development companies

What We'll Need for Your Quote

1
Full address and postcode of the property
2
Type of commercial use (office, retail, industrial, etc.)
3
Year of construction and construction type
4
Current rebuild value
5
Annual rental income
6
Details of tenants and lease arrangements
7
Claims history for the past 5 years
8
Details of security measures in place

Get Your Quote

Frequently Asked Questions

Do I need separate insurance if I occupy part of the building?

Your commercial property policy covers the building. If you trade from the premises, you'll also need business insurance for your operations, stock, and equipment.

What if my property is currently vacant?

We can arrange cover for vacant commercial properties, though additional conditions and higher premiums may apply. Contact us to discuss your specific situation.

Is terrorism cover included?

Terrorism is typically excluded from standard policies but can be added. For commercial properties, particularly in urban areas, we strongly recommend this cover.

Can you cover properties under development?

Yes, we can arrange cover for properties undergoing refurbishment or development. Specific terms will depend on the nature and extent of the works.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.

Request a Call-Back 01733 263311

Monday – Friday, 9:00am – 5:00pm