Business Premises Insurance

Helping to cover your property from the ground up

When considering buildings insurance, it’s easy to focus solely on the structure itself. However, securing the right coverage extends beyond just the walls and roof. It involves safeguarding the essential elements like pipes, cables and drains, which can be costly to repair if issues arise. QMT Commercial are dedicated to helping you explore your options so that can rest assured you have the coverage in place that you need.

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WHY CHOOSE US

Insurance solutions for a wide range of businesses

We know that no two businesses are the same. Shops, salons, showrooms and surgeries all have different requirements, which require flexible insurance solutions. Working with our panel of insurers, we can source individual products or even better, we’ll find you a suitable insurance package that simplifies your business management with a single policy and one renewal date, making it easier for your busy team to stay organised.

An experienced broker

With over 25 years of experience in the insurance industry, QMT Commercial has the knowledge and experience to navigate the complexities of business insurance. Our approachable team of insurance advisors are here to help guide you through the quotation process.

Finding you a great deal

Over the last 25 years, we have built excellent relationships with a wide variety of insurers and wholesale brokers, meaning we can bring you some great deals on your business insurance, some of which you won’t find on price comparison sites.

UK Regulated by the FCA

As a commercial insurance broker, QMT Commercial are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.

Customers are our top priority

QMT Commercial prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.

Flexible payment options available

For those who prefer not to pay their insurance policy in full upfront, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost over the year with convenient monthly direct debits.

Don’t just take our word for it

When choosing a new insurance broker, you’ll want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

What are the main features of a Business Premises Insurance Policy?

Help to protect your business premises with wide-ranging coverage against risks like fire, floods, storms, subsidence, riots, and theft. In the event of damage or destruction from an insured event, your policy will cover repairs or rebuilding, including professional fees. Insurance costs can vary based on factors such as location, rebuild expenses, construction type, property age, occupancy, business type and security measures.

Main Features

Covers repairs or rebuild of the property arising from damage caused by an insured event such as fire, flood, storms, subsidence, vandalism, riots or theft. General wear and tear including issues arising from lack of maintenance is not covered.
Can include necessary expenses such as professional fees (surveys, architects, etc).
Where damage is caused by cable, drain or pipe work, cover can include investigative ‘trace and access’ work.
Can include glass and signage repairs or replacement where required.
Can include additional fixtures and fittings such as gates, fences, car parks and garden landscaping where required.
Can include optional extras such as stock/cash, signage, employee theft, goods in transit, etc.
Can include business interruption insurance to protect your income and business expenses (e.g. taxes, wages, etc) if you are unable to trade due to the damage caused.
Can be incorporated into a business insurance package to include other insurance types such as Liability and Professional Indemnity.

Business Premises Insurance