Commercial Property Insurance

Protecting Commercial Property Owners Across the UK

Whether you own a single commercial property or a portfolio of investments, having the right insurance is essential. Commercial properties face a wide range of risks, from fire and flood to liability claims and loss of rental income, so it's important to have cover that's tailored to your property and the way it's used.

We specialise in arranging Commercial Property Insurance for landlords, property investors, businesses and managing agents. With access to leading UK insurers, specialist markets and the London market, we can provide flexible insurance solutions for both standard and more complex risks.

Tailored Cover for Your Property

No two commercial properties are the same. Whether your building is owner-occupied or let to tenants, we'll take the time to understand your requirements and recommend the most appropriate level of protection.

Depending on your needs, your policy can include:

• Buildings Insurance
• Property Owners' Liability
• Loss of Rent
• Employers' Liability (where required)
• Accidental Damage
• Malicious Damage
• Escape of Water
• Subsidence (where available)
• Glass Cover
• Legal Expenses
• Terrorism Cover

We'll explain your options clearly, ensuring you understand exactly what your policy covers.

Cover for a Wide Range of Commercial Properties

We arrange insurance for many different types of commercial property, including:

• Offices
• Shops and retail units
• Industrial units
• Warehouses
• Mixed-use buildings
• Restaurants, cafés and takeaways
• Public houses
• Medical and professional practices
• Residential and commercial investment properties
• Commercial property portfolios

The increasing use of composite panels and certain types of cladding in commercial and industrial buildings has made property insurance more complex in recent years. Construction materials can have a significant impact on both insurer appetite and premiums, making it essential to obtain the right insurance and ensure your property is accurately represented. Our experienced team understands these risks and can help you arrange suitable cover with insurers that are comfortable with this type of construction. 

Specialist Solutions for Complex Risks

Not every commercial property fits the criteria of a standard insurer. Older buildings, non-standard construction, listed properties, unusual occupancies or mixed-use developments often require a more specialist approach.

In addition to working with leading insurers, we have access to specialist MGAs and London market insurers, enabling us to consider risks that may not be accepted by composite insurers.

Our experience means we can often find solutions where other providers cannot.

Insurance for Commercial Property Portfolios

If you own multiple commercial properties, we can help simplify your insurance arrangements with portfolio solutions designed to make managing your cover easier.

Whether you own a handful of investment properties or a larger portfolio, we'll work with you to ensure your insurance remains competitive and appropriate as your portfolio grows.

Why Choose Us?

Choosing the right Commercial Property Insurance is about more than finding the lowest premium. It's about making sure your investment is properly protected.

When you arrange your insurance through us, you'll benefit from:

• Expert advice from experienced property insurance specialists
• Access to leading UK insurers, specialist MGAs and London market providers
• Competitive premiums without compromising on cover
• Flexible solutions for standard and non-standard properties
• Friendly, personal service with ongoing support throughout your policy

Our aim is to make arranging Commercial Property Insurance straightforward while ensuring you have the protection you need.

Get a Commercial Property Insurance Quote

Whether you own one commercial property or a diverse investment portfolio, we're here to help.

Contact our experienced team today for expert advice and a free, no-obligation Commercial Property Insurance quotation.

Phone: 01843 293614  -  Email: enquiries@bridges.insure