Commercial Property Insurance: Frequently Asked Questions

Commercial property insurance guide Commercial property insurance can be complicated and it’s essential to choose a broker who knows the market inside-out. With nearly 50 years’ experience there isn’t much we don’t know about protecting your property and here we answer some of your most common questions:

What is commercial property insurance?

Commercial property insurance is designed to cover property portfolios for landlords and property investors. It’s an umbrella product that can cover a range of risks across a number of properties in a single, easy-to-manage policy.

Can I get commercial cover for any size of property portfolio?

While some insurance brokers will only provide commercial property insurance for large portfolios we like to do things a little differently and can arrange competitive cover for any number of properties.

Can I get commercial insurance for a mixed property portfolio? 

No problem, we can arrange policies to cover all types of property from shops and offices to residential and industrial.

What about cover for ‘non-standard’ commercial properties?

Finding sensibly-priced insurance for ‘non-standard’ constructions can be the bane of a landlord’s life. However, we are here to help, and our dedicated team can arrange cover for all types of non-standard buildings from: flat and thatched roofs to concrete and timber-frame buildings.

We’ve also got a great track-record finding competitive cover for ‘difficult to insure’ properties such as those with a history of flooding or subsidence.

Can I get a tailored commercial property insurance policy?

All our commercial property insurance policies are carefully tailored to fit your individual needs. It’s the only way we can make sure that you’re completely covered without wasting money on unnecessary benefits.

What benefits are included in commercial property insurance?

Policies vary depending on your portfolio and your needs, but typically include: buildings and fittings insurance, public and property owners liability insurance, and rent guarantee insurance.

Are there any additional benefits I should know about?  

As a leading commercial insurance broker, we can arrange additional cover to safeguard against every eventuality including, but not limited to:

  • Unoccupied Property Insurance to cover properties empty for more than 30 days
  • Contract Works Insurance to cover buildings under construction
  • Legal Expenses Insurance to cover the cost of defending against legal claims
  • Loss of Rent Insurance to cover rental payment and alternative accommodation following a buildings claim

Why should I use Quoteline Direct for commercial property insurance? 

Quoteline Direct is an insurance broker with staying power and a name you know you can really trust. Over the years we have built-up considerable industry muscle allowing us to hammer out seriously competitive deals; some of which you won’t find anywhere else. We understand the needs of commercial landlords and can arrange cover that’s flexible, reliable and won’t break the bank.

How can I get a commercial property insurance quote?

Getting a quote couldn’t be simpler – just fill-in our online enquiry form or call a member of our team on 0161 874 8020 and we’ll do all the hard work for you. Once we’ve found out about your individual insurance needs, we will ring around our panel of specialist providers to find you the best deal.

What about customer service and support?

At Quoteline Direct we believe in ‘good old fashioned’ customer service and provide round-the-clock claims and support. Our customers also enjoy access to expert helplines providing professional advice on everything from tax questions to legal issues.

Can I get insurance for my business if I don’t have a property portfolio?

Insurance industry terminology can be confusing and ‘commercial property insurance’ is generally targeted at ‘property investors’ while ‘commercial insurance’ is targeted at the wider business community. Whether you’re looking to insure your business premises or your investment properties, Quoteline Direct have got you covered.


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