PageID: specialisms-commercial-property-insurance

Commercial Property Insurance UK

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    Commercial Property Insurance

    Commercial Property Insurance

    Specialist commercial property insurance for UK building owners, landlords, and investors. Whether you need a commercial building insurance quote for a single premises or a portfolio, Taurus arranges comprehensive cover to protect your assets, rental income, and business continuity.

    Commercial property buildings in the UK
    Property Protection
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    Commercial Property Insurance Quotes, Built Around Your Search

    Whichever route brought you here, our specialist brokers price every quote against real rebuild values, occupancy and claims experience.

    • Commercial Property Insurance Quote

      Single-premises and portfolio quotes for offices, retail and industrial assets.

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    • Commercial Building Insurance Quote

      Reinstatement-cost buildings cover priced on construction, age and location.

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    • Insurance Quote for Commercial Property

      Independent broker access to leading UK insurers with loss of rent included.

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    • Property Insurance for Businesses

      Buildings, contents, business interruption and property owners' liability in one policy.

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    Why It Matters

    Why Commercial Property Insurance Matters

    Commercial property insurance protects the physical building(s) you own and operate against damage caused by events such as fire, flood, storms, malicious damage, and accidental causes. It also supports your business with the costs associated with repair and restoration, including surveyors fees and professional fees.

    Owning your business premises outright without adequate buildings insurance cover may expose your business to significant financial loss should an insured event occur. This cover is essential for business continuity planning and financial security, especially for small businesses and commercial landlords.

    Property Types

    Property Types We Cover

    At Taurus Risk we tailor commercial insurance solutions to fit the size, type, and use of your commercial premises.

    Office Buildings
    Retail Premises
    Warehouses and Industrial Units
    Mixed-Use Commercial Buildings
    Business Parks and Campuses
    Leisure and Hospitality Properties
    Multi-Tenant Commercial Buildings
    Strategic Commercial Portfolios
    Core Coverage

    Core Commercial Property Insurance Cover

    Our commercial property insurance solutions are built to address the most pressing risks faced by property owners and investors.

    Buildings Cover

    Covers damage to your insured buildings and structural elements caused by fire, flooding, storms, infectious disease outbreaks, and all perils. Includes replacement costs, rebuilding costs, and associated professional fees.

    Property Owners Liability

    Protects you against legal liability and costs arising from third-party injury or property damage occurring on your premises.

    Accidental Damage Cover

    Provides protection against unplanned or sudden damage from unforeseen incidents at your premises, complementing core buildings cover.

    Trace and Access Costs

    Covers the cost of locating the source of damage to essential services such as underground pipes, drains, or cables.

    Emergency Services & Loss Prevention

    Includes support for reasonable costs incurred to prevent further damage, including emergency boarding or temporary flood barriers.

    Land Decontamination

    Supports the costs of decontaminating land following accidental pollution events such as an oil spill.

    Optional Covers

    Optional Covers

    To ensure your overall risk profile is addressed, we can help you add related covers.

    Alternative Accommodation

    Covers additional costs of securing comparable temporary premises if the insured building becomes uninhabitable.

    Legal Expenses

    Provides protection against the costs of legal action, including employment disputes, tax audits, and contract defense.

    Book Debts

    Compensates for inability to trace or establish customer accounts and outstanding payments following loss of financial records.

    Employers' Liability

    A statutory requirement if you have employees; covers legal costs and compensation for employee injuries or illnesses.

    Money

    Protects business cash, cheques, and postage stamps against loss or theft while on-site, in transit, or at a director's home.

    Terrorism

    Extends your policy to include damage and disruption caused by acts of terrorism, typically excluded from standard covers.

    Accidental Damage

    Adds extra security for sudden, unforeseen incidents not covered by standard perils, such as spills or accidental breakage.

    Business Contents Insurance

    Protects office equipment, furniture, and stock against loss or damage while stored within your premises.

    Portable Equipment Insurance

    Provides 'All Risks' cover for business assets, such as laptops and specialised tools, when used away from your main office.

    Equipment Breakdown Insurance

    Covers the cost of repairing or replacing essential machinery following sudden mechanical or electrical failure.

    Public Liability Insurance

    Protects against legal claims for third-party injury or property damage occurring in connection with your business activities.

    How It Works

    How Cover Works

    When you request a quote with Taurus Risk we work with you to identify the appropriate level of cover based on key factors about your property and business.

    We help you establish a policy limit that reflects the total cost of rebuilding and restoring your property in a worst-case scenario, reducing the risk of underinsurance and ensuring you pay the right premiums.

    Key Assessment Factors

    • The nature and use of your property
    • Rebuild and reinstatement cost valuations, including the sum insured and surveyors fees
    • Occupancy type and tenant profile, important for commercial landlords
    • Local risk factors such as flood or storm damage exposure
    Why Taurus Risk

    Why Choose Taurus Risk?

    Our commercial property insurance specialists have extensive experience in the UK market and understand the complexities of protecting commercial real estate.

    Cover that suits your business risk profile

    Transparent policy guidance and documentation

    Responsive service and efficient claims support

    Expert advice on structuring comprehensive protection

    We focus on providing clarity about what is covered, how your policy operates, and how different elements of your insurance interact - helping you make fully informed decisions and achieve the right cover. This includes advice on tax deductible premiums and allowable expenses related to your business insurance.

    Ready to Protect Your Commercial Property?

    Secure your buildings, protect your investment, and protect your business continuity with commercial property insurance from Taurus Risk.

    Frequently Asked Questions

    Answers to the questions we hear most often.

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    25 Reviews
    REVIEWS.io
    5 Rating
    25 Reviews
    Imran
    Verified Customer
    I found Taurus online last year and this is my second year I am using Taurus for my Insurance renewal. Chris and Billy have both been very good to me and our relationship is not just about me asking for a insurance policy but we have a general chat which makes a huge difference when deciding should I shop around or actually Taurus take care of me so why should I have to look elsewhere. The pricing is competitive and I receive good advice. I am happy I have found an excellent organisation
    Sairah
    Verified Customer
    Had a very competitive quote from Chris Foster - multi property, including rent cover. Gone ahead with the policy, and hope the underwriters will be a good solution, should anything occur.
    Jonathon
    Verified Customer
    Tom and Billy of Taurus Risk Management provide a highly personalised and commercially focused service. They take the time to ensure that clients fully understand their insurance policies and that cover arrangements are aligned with their specific requirements. Their approach is centred on understanding each client's budget, objectives, and any operational constraints, enabling them to source the most suitable and competitive insurance solutions available. Combined with their professional, approachable, and responsive manner, they instil confidence throughout the process and make it clear that you are working with a trusted and knowledgeable team. I would have no hesitation in recommending Taurus Risk Management to individuals and businesses seeking expert insurance advice and exceptional client service.
    Suzie
    Verified Customer
    Quick and easy process, Chris was very helpful in ensuring we get the right cover for a reasonable price. Would highly recommend.
    Clare
    Verified Customer
    Chris helped me secure buildings insurance for a group of 6 residential buildings - a mix HMO and flats, he obtained several quotes for me to consider and the price was very competitive. The service was brilliant and I would definitely use Taurus risk management again.
    Alexandra
    Verified Customer
    I recently purchased house and travel insurance through Taurus Risk and had an excellent experience. From the initial communication to their prompt and efficient responses, the team demonstrated a high level of professionalism throughout. They addressed all of my questions quickly and provided clear, valuable advice. I would highly recommend Taurus Risk to anyone seeking a reliable and knowledgeable insurance broker.
    Warren
    Verified Customer
    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.
    Meg
    Verified Customer
    Team Taurus did a great job - providing fantastic client service. We are very happy with our insurance coverage.
    Henry
    Verified Customer
    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.
    Alex
    Verified Customer
    Great customer service and response times, with a very knowledgeable team. I would highly recommend Taurus
    Jolyon
    Verified Customer
    Competitive, fast respone(s), with excellent service levels and most importantly a broad understanding of our various insurance needs as a compay - we started with one of our polcies and we are now moving everything to Taurus RM. - Investeq Limited
    Tim
    Verified Customer
    Excellent bunch. Responded very quickly when asked and very good quote for policy. Would definitely recommend.
    Max
    Verified Customer
    Fast and professional service. We have switched all of our insurance needs to Taurus Risk Management.
    Ivo
    Verified Customer
    Super easy and quick service :)
    Rivinia
    Verified Customer
    The team did an amazing job on our home insurance and reduced our premium. We were very happy with their service and highly recommend.