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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.
Tell us about your commercial property, tenant profile, and cover requirements and we will prepare a commercial property insurance quote. We compare cover from leading UK insurers and aim to respond within 24 hours.
Whichever route brought you here, our specialist brokers price every quote against real rebuild values, occupancy and claims experience.
Single-premises and portfolio quotes for offices, retail and industrial assets.
Start this quoteReinstatement-cost buildings cover priced on construction, age and location.
Start this quoteIndependent broker access to leading UK insurers with loss of rent included.
Start this quoteBuildings, contents, business interruption and property owners' liability in one policy.
Start this quoteCommercial property insurance is cover that protects the buildings, fixtures and business assets of a non-residential property against insured events such as fire, flood, storm, escape of water, impact and malicious damage. It is arranged on a reinstatement basis, meaning the sum insured reflects the full cost of rebuilding the property rather than its market value.
Policies are usually built around buildings cover and property owners' liability, then extended with loss of rent, business interruption, contents, terrorism and engineering inspection depending on how the property is owned, let and occupied. Landlords, investors and owner-occupiers each need a slightly different structure, which is where broker advice matters most.
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.
At Taurus Risk we tailor commercial insurance solutions to fit the size, type, and use of your commercial premises.
Our commercial property insurance solutions are built to address the most pressing risks faced by property owners and investors.
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.
Protects you against legal liability and costs arising from third-party injury or property damage occurring on your premises.
Provides protection against unplanned or sudden damage from unforeseen incidents at your premises, complementing core buildings cover.
Covers the cost of locating the source of damage to essential services such as underground pipes, drains, or cables.
Includes support for reasonable costs incurred to prevent further damage, including emergency boarding or temporary flood barriers.
Supports the costs of decontaminating land following accidental pollution events such as an oil spill.
To ensure your overall risk profile is addressed, we can help you add related covers.
Covers additional costs of securing comparable temporary premises if the insured building becomes uninhabitable.
Provides protection against the costs of legal action, including employment disputes, tax audits, and contract defense.
Compensates for inability to trace or establish customer accounts and outstanding payments following loss of financial records.
A statutory requirement if you have employees; covers legal costs and compensation for employee injuries or illnesses.
Protects business cash, cheques, and postage stamps against loss or theft while on-site, in transit, or at a director's home.
Extends your policy to include damage and disruption caused by acts of terrorism, typically excluded from standard covers.
Adds extra security for sudden, unforeseen incidents not covered by standard perils, such as spills or accidental breakage.
Protects office equipment, furniture, and stock against loss or damage while stored within your premises.
Provides 'All Risks' cover for business assets, such as laptops and specialised tools, when used away from your main office.
Covers the cost of repairing or replacing essential machinery following sudden mechanical or electrical failure.
Protects against legal claims for third-party injury or property damage occurring in connection with your business activities.
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.
Estimated rise in UK rebuild costs between 2020 and 2025
A valuation last reviewed before this date is likely to understate real exposure
Recommended interval between reinstatement cost assessments
UK rebuild costs rose roughly 30 to 35 percent between 2020 and 2025, so a sum insured last reviewed before 2020 is likely to understate real exposure. Where the sum insured falls short, the condition of average can reduce a claim settlement proportionally. For a full breakdown of how rebuild cost and other rating factors shape your premium, see the key cost drivers in our commercial property insurance cost guide.
These three terms overlap in everyday use but describe different scopes of cover. The table below shows who each one suits and what it typically includes.
| Feature | Commercial property insurance | Commercial landlord insurance | Buildings insurance |
|---|---|---|---|
| Who it suits | Owner-occupiers, investors and landlords needing a single combined property policy | Landlords letting commercial premises to business tenants | Any owner needing structural cover only, often to satisfy a lender |
| Core focus | Buildings, contents and business assets plus liability at the premises | The let building, rental income and landlord liability exposures | The physical structure, fixtures and permanent fittings |
| Rental income protection | Available as loss of rent or business interruption | Central feature, usually loss of rent for 24 to 36 months | Not normally included |
| Liability cover | Property owners' and public liability commonly included | Property owners' liability as standard | Rarely included, arranged separately |
| Tenant and occupancy conditions | Rated on trade and occupancy of the whole building | Tenancy schedule, lease terms and unoccupancy conditions apply | Occupancy conditions apply but tenant trade is less central |
| Typical trigger | Owning or operating commercial premises | Letting commercial premises under a lease | Mortgage condition or lease obligation to insure the structure |
For a deeper comparison of the two policy types, read our guide to landlord vs commercial property insurance, or see commercial building insurance explained.
Named exclusions set the boundary of a standard commercial property policy. Knowing what is excluded helps you decide which extensions to add before a loss occurs.
| Exclusion | What it means | How to address it |
|---|---|---|
| Wear, tear and gradual deterioration | Damage that happens slowly over time, such as corrosion, rust or rotting, is not a sudden insured event. | Maintain the property and schedule reinstatement cost reviews. |
| Lack of maintenance and inherent defects | Losses caused by poor upkeep, defective design or pre-existing faults are usually excluded. | Keep maintenance records, fix known defects and consider a building survey. |
| Unoccupied property without notification | Cover is restricted after a property becomes empty unless the insurer is told and conditions are met. | Notify the insurer early and see our guide to unoccupied property insurance. |
| Deliberate or fraudulent damage by the insured | Damage caused intentionally by the policyholder or with their knowledge is not covered. | Maintain robust tenant vetting and property checks. |
| Terrorism | Standard commercial property policies exclude damage from terrorist acts. | Add terrorism cover where the location or lease makes it advisable. |
| War, civil commotion and political risks | Damage from war, invasion, rebellion or confiscation is normally excluded. | Specialist political risk cover may be available for high-exposure assets. |
| Pollution and contamination | Gradual pollution or contamination is excluded unless sudden and caused by a covered peril. | Add environmental liability cover for storage or industrial risks. |
| Cyber events and data loss | Physical damage caused by cyber events, or loss of data, is not covered by a property policy. | Buy a standalone cyber insurance policy. |
| Employee dishonesty | Theft or fraud by staff is not covered under a standard property section. | Add fidelity guarantee or crime cover. |
| Fines, penalties and punitive damages | Regulatory fines or court-imposed penalties are uninsurable as a matter of public policy. | Build compliance and risk management into operations. |
| Subsidence limits | Subsidence may be excluded or capped in high-risk areas or on certain soil types. | Confirm sub-limits and consider a specialist structural survey. |
For a plain-English explanation of what a business property policy covers, read what does business property insurance cover. If you are unsure whether an exclusion affects your property, speak to a broker.
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.
Secure your buildings, protect your investment, and protect your business continuity with commercial property insurance from Taurus Risk.
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Answers to the questions we hear most often.
