Call Us: 0333 7727453

9.00 AM - 5.00PM Monday - Friday

Commercial Buildings Insurance for Shop Owners UK

Two Minutes To Get A Quote And We Guarantee The Lowest Price Or Your Money Back*

*Price Guarantee Terms & 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).

Commercial Insurance for Shops

Policy Powerhouse

Whether you’re renting out a convenience store, fast food outlet, warehouse, or office, your property plays a key role in enabling tenants to serve customers and generate profit. However, this also makes it vulnerable to risks like fire, flooding, theft, or structural damage, all of which can disrupt operations and lead to financial strain – or even closure.

Landlords Let Commercial Property Insurance offers essential protection against these unforeseen events. It safeguards your building, your contents, and even your tenant’s ability to keep their business running, ensuring they can recover quickly and continue serving customers. Beyond financial security, having this insurance shows your tenants that you prioritise safety and stability.

At Policy Powerhouse, we specialise in reliable Landlords Let Property Insurance. Our comprehensive coverage includes protection against public liability, fire, water damage, and more. With over 30 years of industry expertise, we provide peace of mind, allowing you to focus on growing your business while we manage the risks.

what is landlords let commercial property insurance?

Policy Powerhouse

At Policy Powerhouse, we specialise in personalised commercial property insurance tailored to protect both you and your business. Our policies offer complete coverage for your property, with options for up to £10 million in public liability, ensuring you’re safeguarded against unforeseen risks. With our expert knowledge, we provide the stability every property owner needs, no matter the challenges.

How landlords let commercial insurance works for your business

As a landlord, commercial insurance acts as your financial safety net. It protects you from the risks of owning and renting out a property, ensuring that unexpected events don’t derail your business.

For example, if your property is damaged by fire, a comprehensive policy could cover repair costs and even lost income during downtime. Likewise, if a tenant files an injury claim, the included liability insurance ensures you’re not financially impacted.

Having the right insurance is essential for safeguarding your livelihood and preserving your business’s reputation. At Policy Powerhouse, we’re committed to providing affordable, high-quality insurance tailored to your needs.

What's Covered?

When selecting landlord’s commercial let property insurance, it’s essential to understand the breadth of cover available. Here’s what you can expect from our coverage:

What’s Covered:

  • Buildings and Landlords Contents Insurance – Protection against risks such as fire, flood, theft, and vandalism.
  • Accidental Damage Cover – Covers unexpected damage caused by you, your tenants, or third parties.
  • Public Liability Insurance – Protects you from claims made by the public or employees.
  • Loss of Rental Income – Covers loss of income if your property becomes uninhabitable due to damage.
  • Optional Legal Expenses Cover – Helps with legal fees for disputes or claims.
  • Optional Terrorism Cover – Protection against damage or loss caused by acts of terrorism.

What Isn’t Covered:

While our policies cover a wide range of risks, there are some exclusions to be aware of:

  • Damage caused by wear or tear or gradual deterioration.
  • Loss or damage occurring before your policy begins.
  • Damage due to intentional or illegal acts.
  • Theft or damage by individuals lawfully present on the premises.
  • Water damage resulting from inadequate maintenance.

Understanding these exclusions ensures transparency and helps you maintain realistic expectations.

why choose policy powerhouse

With decades of industry expertise and a customer-focused approach, Policy Powerhouse stands out as the trusted choice for commercial let property insurance. Here’s why:

Tailored Expertise

Backed by over 30 years of industry experience, our specialists excel in offering insurance solutions that align with your business’s needs. We take the time to understand your property and circumstances, ensuring comprehensive and relevant coverage that gives you confidence. At Policy Powerhouse, your protection is our top priority.

Exceptional customer service

Our cutting-edge digital platform transforms the insurance process into a smooth experience. From obtaining a quote to managing your policy, our user-friendly system ensures efficiency at every step. Combined with support from our expert team, we deliver a service that’s both quick and hassle-free, making it simple to secure the perfect cover.

Reliable & Cost Effective Solutions

We work with top-rated insurers to provide affordable, comprehensive policies designed to meet your budget and needs. With excellent claims service included, you can rely on our solutions to safeguard your commercial property while enjoying a stress-free insurance experience. Let us handle the details so you can focus on what matters most.

Types of Let commercial properties we insure

Policy Powerhouse
  • Retail shops, including convenience stores.
  • Fast food, pubs and restaurants.
  • Warehouses and storage facilities
  • Unoccupied commercial properties awaiting tenants or renovation
  • Other similar commercial premises.

Contact Policy Powerhouse

Policy Powerhouse

Stop worrying about what could go wrong – focus on creating memorable guest experiences. With Policy Powerhouse, getting insurance is fast, simple, and affordable. Contact us today for a bespoke quotation.

We’re committed to making a difference here at Policy Powerhouse, that’s why we donate £1 to the Make-A-Wish Foundation every time you purchase or renew your policy with us. We have a goal of raising £100,000 and you can read all about it here.

Frequently Asked Questions

General

Commercial liability let insurance for shops is a policy designed to protect property owners from risks such as property damage, theft, and liability claims. It ensures that your business can recover quickly from unexpected events.

Landlords Commercial Let Insurance typically includes building and landlord contents coverage, loss of rent, and public liability insurance. Additional cover for accidental damage and terrorism can be included.

Yes, Landlords Commercial Let Insurance ensures your business assets and legal responsibilities are covered.

The cost of commercial let insurance depends on factors such as the property’s location, its use, and the level of cover required.

Absolutely. Policy Powerhouse specialises in providing insurance for new businesses, ensuring you get the protection you need from day one.

Articles

Policy Powerhouse

Holiday Let Insurance

Policy Powerhouse

Protect your holiday let buildings and contents

Peace of mind that your investment is safe in just a few easy clicks.

Holiday Lets Insurance

Easy like Sandy Morning

Policy Powerhouse

Insurance needn't be a challenge

LET'SGET
STARTED