Commercial Property Owners

Helping Commercial Property Owners With Insurance

As the owner of commercial property, you will want to protect the assets that you have invested in – whether that is a single property such as a retail or industrial unit or a portfolio of various types of property.

With nearly 30 years’ experience of industry experience, I know that insuring commercial property is not always straightforward.  Not all risks fall within a standard policy and certain types of property require further consideration.  For example, listed properties, unoccupied properties, those of specialist construction or properties which are occupied by tenants who carry out ‘high risk’ processes.

I will take time to understand your business.  By working together from the outset, we will complete a comprehensive risk review discussing areas such as construction, occupation and risk management.

Key Areas of Discussion

  • Buildings – Protects the structure of your property against loss or damage caused by a range of perils such as fire, flood, storm, theft.  
  • Loss of Rent – If your property cannot be occupied as a result of a material damage claim, this policy feature will reimburse you for the rent you would have received from your tenants during the interruption period.
  • Property Owners Liability – If someone suffers from an injury or their property is damaged due to your negligence, this will cover the resulting legal costs and potential awards.

Optional Cover Features

In order to shape a policy that’s truly tailored to your property portfolio, I will talk you through any optional cover options you could benefit from.  These could include, but aren’t limited to: Terrorism, Engineering Inspection, Contents, Equipment Breakdown, Legal Expenses, Directors & Officers.

Spencer Insurance Brokers have provided us with a first class and highly personal service for over 20 years and we would have no hesitation in recommending them.

Kevin Minns MD - Minns Estates Limited January 8, 2021