Commercial Property Insurance

Quality cover for offices, shops, showrooms, restaurants and warehouses

Your commercial property is your most valuable asset, so when disaster strikes, you’ll want to make sure you have the right cover in place to avoid footing expensive repair bills. Just like your home buildings insurance, you should consider a policy that covers the building, fixtures and fittings on any land or property you own that’s used to generate income or support a business.

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Why Choose Us

An independent broker you can trust

QMT Commercial have a proven track record in the insurance industry, helping many customers just like you to find fantastic insurance products that meet their needs and budget. With several industry awards under our belt, we’re proud to have been recognised as one of the Top 100 Insurance Brokers 2024 by Insurance Age.

Flexible ways to pay

If you’d prefer not to pay for your insurance all in one go that’s not a problem. We can arrange 50/50 instalments over two months or if it’s more manageable, you can pay by monthly direct debit.

Everything in one place

QMT Commercial can arrange all types of business insurance including liability and fleet. Why not take the hassle out of policy management and let our experts handle your insurances on your behalf.

Expert advice in plain English

There’s nothing worse than industry jargon that you just can’t understand. That’s why our insurance advisors provide clear, concise information and are always on hand to help answer any questions.

Tailored insurance packages

In insurance, there is truly no such thing as one size fits all. We’ll work with you to identify your unique business risks and arrange suitable cover designed to safeguard your finances and assets.

Get covered straight away

Once you’re happy with our quotation, we can set your policy up to start immediately. Alternatively, if your renewal is due shortly, we can set the new policy up to start as soon your current one ends.

A wide panel of insurers

As a well-established broker, we have built excellent relationships with a number of carefully chosen insurers, meaning we can bring you great deals, some of which you won’t find on price comparison sites.

What are the main features of a Commercial Property Insurance Policy?

We understand that your commercial property investment is about more than just bricks and mortar. It’s a fundamental part of your operation and any issues can have serious repercussions on your finances and ability to trade. That’s why we are passionate about finding our customers a great deal when it comes to their premises insurance, because we know that if anything unexpected happens, you’ll want to get back up and running as quickly as possible. Your quote will be based on a number of factors including the size of business, property details (e.g. value and cost to rebuild), and your location (e.g. any flood risks).

Main Features

Like many insurance products, commercial property insurance can be a standalone policy that simply covers your building fixtures and fittings or can be fully tailored with addons and extensions to offer a more comprehensive range of cover
Covers natural events such as floods and storms as well as acts of vandalism, burglary, fire, accidental damage and localised water damage/pipework
Covers rebuilding costs including consultancy fees and expenses
Covers trace and access to investigate and find the source of an issue (e.g. burst pipework)
You will need to set a policy limit – this should be the cost it would take to demolish and rebuild your property including any necessary consultancy fees and services
Can include contents, stock and cash on premises including seasonal increases where required
Can include cover for portable equipment and equipment breakdown
Can include goods in transit insurance should you offer any delivery services or carry tools or equipment by vehicle
Can include business interruption insurance, useful to cover loss of income and overheads if you are temporarily unable to trade
Can include liability insurances such as property owners’ liability, employers’ liability and public liability

Commercial Property Insurance