Understanding Public Liability Insurance for Holiday Lets
21 March 2025
As a holiday let owner, ensuring your property is covered against potential risks is essential. While you may focus on providing a fantastic stay for
We Guarantee The Lowest Price Or Your Money Back*
Commercial property insurance protects property owners, landlords, and businesses from financial losses caused by damage to buildings, contents, or loss of rental income. Whether you own an office, shop, restaurant, warehouse, or multi-tenure property, comprehensive coverage ensures protection against risks such as fire, flood, vandalism, theft, and liability claims. With the right commercial insurance in place, you gain financial security and peace of mind, knowing your property and assets are protected. This type of insurance offers vital support, helping you avoid the financial burden of unexpected property-related incidents.
We don’t offer one-size-fits-all insurance. Our policies are designed for commercial property owners who need specific coverage, whether for a single office or a portfolio of properties. We offer up to £5 million in public liability insurance and flexible options for landlords’ content, business interruption, and employers’ liability.
With over 30 years of experience, we specialise in providing insurance for properties that don’t fit the standard industry criteria. From unoccupied buildings to multi-tenure properties, we work with top-rated insurers to ensure you get the best possible protection at a competitive price.
Single or multi-location commercial property risks, cover available for over 2,000 trades, multi-tenure, and unoccupied properties. Cover for 3,6 or 12 months.
If you own commercial property, you need commercial properties insurance that you can rely upon. If you have an unoccupied property, you will need unoccupied commercial property insurance in the UK. Policy Powerhouse use top rated insurers to give the cover that you need all wrapped up with friendly professional service. We can arrange cover for 3, 6 or 12 months for over 2,000 trades or multi-tenure properties, covers for Public Liability, Loss of rent, Cyber, ID Fraud, Employers Liability, Terrorism and legal expenses. If you’re looking for a different type of cover, we also offer airbnb house insurance.
At Policy Powerhouse, we provide tailored commercial property insurance to suit your specific needs. Our policies can include:
With our comprehensive range of coverage options, you can ensure your commercial property is fully protected against any unexpected events.
**Conditions: We will beat or match any price for equivalent cover, or we will give your money back (within 14 days of the cover starting)
The cost of commercial property building insurance depends on factors like property type, location, and coverage level. High-risk properties, such as restaurants or multi-tenure buildings, typically have higher premiums due to increased claim exposure. Policy Powerhouse offers flexible policies in 3, 6, or 12-month terms, providing cost-effective coverage that ensures full protection for your investment without compromise. This flexibility allows you to choose the right coverage tailored to your business needs while maintaining budget control.
Protect your investment with specialist commercial property insurance from Policy Powerhouse. Whether you need cover for an office, shop, warehouse, or restaurant, we offer flexible policies that provide peace of mind. Get a quote today and secure tailored protection for your commercial property.
Commercial property insurance is required if you own a property that is used as a warehouse, office, shop, restaurant, surgery and many more similar uses.
Our commercial insurance for offices and insurance for restaurant property will give you the cover that you and your business needs.
We offer:
A copy of the Policy Wording, IPID, Statement of Fact and Schedule will be emailed to you. Copies are available upon request.
A quotation is valid for 30 days from the date of issue.
While not legally required, commercial property insurance is essential to protect against unexpected financial losses. If you have a mortgage on the property, your lender will likely require adequate insurance coverage.
The property owner is usually responsible for buildings insurance, though lease agreements may require tenants to contribute or arrange their own coverage. It’s important to check your lease terms.
Yes. We provide unoccupied commercial property insurance, ensuring protection against risks such as vandalism, fire, and theft while the premises remain vacant.
If your property is undergoing refurbishment, we can offer specialist insurance to cover construction-related risks, protecting against structural damage and liability claims.
You can lower your premiums by improving security measures, installing fire and intruder alarms, maintaining the property regularly, and choosing a higher excess. Policy Powerhouse can help find the best solution to balance cost and coverage.
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