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Protect your commercial property with specialist insurance solutions. Taurus Risk Management offers expert advice and competitive commercial property insurance quotes to safeguard your business premises, whether you own shops, offices, warehouses or mixed-use properties.
"Competitive, fast responses, with excellent service levels and most importantly a broad understanding of our various insurance needs as a company. We started with one of our policies and we are now moving everything to Taurus RM."
Investeq Limited
"I have worked with Taurus and Tom over the last two years and always found them to provide an excellent service. They provide competitive quotes whilst always ensuring the optimal cover for each client. I would not hesitate in recommending them to our clients."
Long-standing partner
"It was an absolute pleasure working with Taurus. From the beginning it felt like the team had a genuine interest in my priorities and what was most important. Looking forward to our partnership together."
New client
Understanding what affects your commercial building insurance cost helps you make informed decisions. Insurers typically ask for property details, rebuild value, business use, security, location and claims history to price a commercial property insurance quote. Key factors include:
Cover should reflect rebuild cost, not market sale price, and include contractors, materials, professional fees and surveyors' fees so you get the right cover.
Flood risk, subsidence, storms, vandalism, terrorism risk and crime rates by postcode can all affect business buildings.
Age, roof type, cladding and fire safety features all influence pricing.
A wide range of trades is considered. Business use impacts risk levels, whether the premises are an office, shop, restaurant or industrial unit.
Previous claims affect premium pricing, and the frequency and severity of any claims is significant.
Adjust excess to balance premium and out-of-pocket costs you may pay.
This cover helps pay for repair or rebuild costs when commercial buildings suffer damage caused by an insured event.
Protect your investment with commercial property insurance specialised for your needs. Cover can include buildings insurance for walls, roofs, floors, fittings, gates, fences and outbuildings, alongside contents insurance to protect fixtures, fittings, stock and equipment. Policies can also include loss of rent and business interruption cover, helping reimburse lost rental income or revenue if the property becomes unusable following an insured event. Property owners' liability insurance provides protection against legal costs and compensation claims if visitors or third parties suffer injury or property damage on the premises.
All risks cover typically includes subsidence as standard. Additional cover options can include terrorism insurance, legal expenses cover, engineering cover, Directors' & Officers' (D&O) liability insurance, excess public liability, land liability and employers' liability insurance, alongside protection for glass, landscaped areas, accidental damage and other property-related risks. This type of commercial landlord insurance is particularly relevant for landlords letting property to businesses such as offices, shops and restaurants, with commercial property owners insurance often including public liability protection as part of the overall cover.
Unoccupied commercial properties carry increased risks such as fire, theft and water damage. We provide specialised cover options to protect vacant premises, including excesses and security requirements; however coverage may be restricted to FLEEA (Fire, Lightning, Earthquake, Explosion and Aircraft) while unoccupied.
Our brokers will guide you through the process. To prepare, have the following details ready:
We work with businesses and individuals to assess their exposures and ensure their cover reflects today's risks. Our approach focuses on practical solutions backed by experience-led advice. We work with financially secure, highly rated insurers known for their reliability and proven claims performance. When you need to claim, we are here to support you through the process. Start your quote online or book a consultation for complex portfolios or specialist sectors like hospitality and technology.
Get in touch today to see how we could support you in structuring an appropriate insurance strategy at the right price.
Discover our comprehensive range of insurance solutions tailored to your specific needs.
Specialist cover for commercial buildings, landlords and property investors.
One policy for landlords with two or more properties.
Combined cover for properties with residential and commercial units.
It is not usually a legal requirement, but it may be a loan condition if there is a mortgage.
Cover often starts from exchange of contracts, but confirm with your solicitor and broker.
Landlords usually insure the building; tenants are responsible for their own contents and stock.
Yes, portfolio policies simplify management and can improve terms.
Secure your commercial property today with a reliable insurance quote from Taurus Risk Management. Protect your business assets and gain peace of mind with expert support every step of the way.
