Commercial Landlord Insurance
The Best Comprehensive Cover For Commercial Landlord Insurance
Owning a commercial rental property comes with financial risks, from tenant disputes and unpaid rent to fire damage and legal liabilities. Standard property insurance won’t cover rental properties used for business purposes, making Commercial Landlord Insurance essential to protect your investment.
ABA Insurance provides specialist Commercial Landlord Insurance, offering tailored protection for buy-to-let commercial landlords, property portfolio owners, and freeholders. Our policies cover building damage, rental income loss, liability claims, and legal expenses, ensuring you can rent out your commercial property with confidence.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Commercial Landlord Insurance?
Commercial Landlord Insurance is a specialist property insurance policy designed to protect landlords from financial losses related to renting out business premises. It covers risks such as fire, flooding, tenant disputes, property damage, and legal claims.
This insurance is essential for landlords renting out:
- Retail units and high street shops
- Offices and serviced buildings
- Industrial units and warehouses
- Hospitality properties such as pubs and restaurants
- Mixed-use buildings (residential and commercial combined)
Without the right cover, landlords could face costly repairs, rental income loss, and legal battles due to property damage, tenant disputes, or business closures.
Why Do You Need Commercial Landlord Insurance?
Protection Against Property Damage
Commercial properties face higher wear and tear than residential rentals. This policy covers fire, flooding, storm damage, vandalism, and structural issues.
Cover for Loss of Rental Income
If your property becomes unusable due to fire, flood, or structural damage, business interruption insurance ensures you still receive rental income while repairs are carried out.
Public Liability Cover for Tenant and Visitor Injuries
If a tenant or visitor suffers an injury on your property due to a structural defect—such as a loose railing or falling debris—you could be held liable. Public liability insurance covers legal fees and compensation claims.
Landlord Legal Expenses for Tenant Disputes
Commercial tenants can refuse to pay rent, breach their lease, or cause disputes over property maintenance. Legal expenses cover helps landlords manage evictions and contract disputes.
Compliance with Mortgage and Leasehold Requirements
Most commercial mortgage lenders require landlords to have specialist insurance. This policy ensures compliance with legal and financial obligations.
Tailored Cover for Different Business Tenants
From retail shops to industrial warehouses, this policy provides customised protection based on the type of business occupying your property.
What Does Commercial Landlord Insurance Cover?
- Buildings insurance for fire, flood, and structural damage
- Loss of rental income cover for business interruption
- Public liability insurance for tenant and visitor injury claims
- Employers’ liability insurance for maintenance staff injuries
- Legal expenses cover for evictions and lease disputes
- Accidental and malicious damage cover for tenant-related property damage
- Fixtures and fittings insurance for doors, flooring, and built-in units
- Terrorism cover (optional) for damage caused by attacks or civil unrest
Get The Right Business Insurance
How We Get You The Right Commercial Landlord Insurance Cover First Time Round
Worried About Property Damage from Business Tenants?
Commercial properties face greater risks due to high footfall, heavy machinery, and industrial use. Our policy covers accidental and malicious damage.
Concerned About Business Closures Affecting Rental Payments?
If a business tenant closes due to an insured event, our business interruption cover ensures landlords continue receiving rental income.
Need Protection Against Lease Disputes?
Commercial lease agreements can be complex, and disputes can lead to legal fees and financial loss. Our legal expenses cover helps landlords handle evictions and contract issues.
Looking for Affordable and Flexible Cover?
We offer customised policies tailored to single-unit landlords, mixed-use property investors, and large portfolios, ensuring cost-effective and reliable protection.
Need a Fast and Hassle-Free Claims Process?
Our dedicated claims team ensures quick settlements, so landlords can focus on managing their properties without disruption.
How Much Does Commercial Landlord Insurance Cost?
The cost of Commercial Landlord Insurance depends on:
- The type and size of the commercial property
- The business tenants occupying the premises
- The level of building and contents cover required
- The property’s location and security features
- The rental income and risk of business closures
- The landlord’s claims history and overall risk assessment
ABA Insurance provides affordable and tailored policies, ensuring landlords receive the best protection for their commercial properties.
Why Choose ABA Insurance for Commercial Landlord Insurance?
- Industry expertise with specialist cover for business rental properties
- Flexible policies designed for commercial landlords and portfolio owners
- Competitive pricing with cost-effective insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Commercial Landlord Insurance Today
Protect your business rental property and income with Commercial Landlord Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.