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Commercial Property and Buildings Insurance
If you have a business using commercial or industrial space you will need to consider commercial property insurance as part of your business’s insurance policy. Commercial Property Insurance at Insync can encompass all types of property from office blocks to retail spaces to factories and more.
Our expert team at Insync can arrange tailored cover to your business whether you are the owner of one commercial property or have a portfolio of thousands. Insure them all under one robust policy against risks such as property damage, loss of rent, Public Liability claims and more.
Commercial buildings Insurance – What do I need?
As your business may rely heavily on its commercial space, it comes recommended that you insure any piece of property against perils such as fire, theft and flood. To be adequately insured, your level of indemnity will need to reflect the cost of rebuilding in the worst-case scenario.
As well as property cover, you can extend your policy to include wider aspects of business insurance such as legal liabilities such as Property Owner’s Liability or Employers Liability cover for any staff you employ. You may also want to consider optional extensions such as Loss of Rent (following an insured loss), Terrorism, and Legal Expenses cover.
At Insync, our team can walk you through the right level of insurance for your business, whether you’re a seasoned commercial landlord or just starting in the property business – our team are here to get you the right cover, at the right price.
how much should I insure my Commercial Property for?
When insuring your property, it is essential to consider how much it the rebuild cost in the worst-case scenario. For example, a fire destroys your property, and your indemnity limit isn’t sufficient to cover the cost of a rebuild. Could your business take the cost of a complete rebuild without adequate insurance?
Our team will help you determine the type of cover you need to take out, however, we cannot assist in determining the rebuilding cost of your property, as this is your sum insured.
The buildings sum insured for the property will also depend on the construction method used, location and access to the property. All of these variables can be difficult to calculate, and you should seek the services of a professional valuation surveyor, suitably qualified by the Royal Institute of Chartered Surveyors (RICS).
Compare Commercial Property business Insurance
As a specialist property insurance broker, Insync has access to a panel of the UK’s leading commercial property insurers including AXA, Allianz, Ageas, Aviva, RSA and Zurich. You can compare tailored cover online in minutes, either for a single property or multiple risk addresses.
Alternatively, why not arrange a free review with one of our property insurance advisors? They can help you find the right level of cover at the right price over the phone.
Commercial Landlords let property extended covers
In addition to the commercial buildings, you may require cover for any landlords contents, such as in communal, reception areas or provision of meeting rooms as well as any items in gardens or car parks.
Property owners’ liability, terrorism, loss of rent and legal expenses extensions are also an option.
Commercial Property claims example
A tenant reported an unexplainable rise in their water bill. On further investigation, plumbers discovered that the underground services to the property had been damaged and were causing a substantial leak.
The insurers engaged specialist contractors who needed to replace 30 metres of pipe, digging across the property car park—total claims cost came in at more than £35,000.
Why Choose Insync for Commercial Property Insurance?
In today’s digital world, business has evolved, so why hasn’t your insurance broker?
We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Commercial Landlords throughout the UK.
Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!