Commercial Property Insurance

What it can include

• Buildings
• Loss of rent
• Property owner’s liability

Every policy is different. Cover depends on the insurer’s terms, conditions and exclusions, and we will explain exactly what yours includes.

Things to consider for commercial property insurance

• The rebuild cost of the building, which is often different from its market value.
• Who lives there: owner-occupied, tenants, or empty for a period.
• High-value items that may need to be listed separately.

Commercial property insurance in Enfield and London

Many Enfield and North London landlords own a shop with a flat above, a small parade of units or an office. We help you understand the cover that reflects the building, the tenants and how each part is used.

• Buildings cover based on rebuild cost, not market value — important for older London high street properties.
• Mixed-use buildings (shop below, flat above) need both parts declared correctly.
• Loss of rent if an insured event leaves units empty while repairs are made.
• Property owner’s liability if a visitor or member of the public is injured on your premises.
• Tell us about tenant trades (for example takeaways) and vacant periods, as these affect cover.