Commercial Property Insurance

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

Your commercial property is a crucial asset and having the right insurance coverage is essential to help protect against costly repairs in the event of a disaster. Similar to your home insurance, it’s important to secure a policy that includes coverage for the building, fixtures and fittings on any income-generating or business-supporting property you own.

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Why Choose Us

An independent broker you can trust

QMT Commercial has established a solid reputation in the insurance sector, helping our customers to find great deals on a wide range of insurance disciplines. We are proud to have been recognised as one of the Top 100 Insurance Brokers in our class by Insurance Age (2024), a testament to our commitment to excellence and our customer-centric focus.

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.

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.

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.

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.

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 Commercial Property Insurance Policy?

We recognise that your commercial property investment is more than just a physical asset; it's integral to your business operations. Any disruptions can significantly impact your financial stability and trading capabilities. That's why we are committed to securing great premises insurance deals for our clients. Your insurance quote will consider various factors, including business size, property specifics (such as value and reconstruction costs) and location risks (like potential flooding).

Main Features

Commercial Property Insurance can be a standalone policy that simply covers your building fixtures and fittings or can be encompassed within an insurance package to offer a wider range of cover options.
Typically covers natural events such as floods and storms as well as acts of malicious damage, burglary, fire, accidental damage and localised water damage/pipework.
Can cover rebuilding costs including consultancy fees and expenses.
Can cover trace and access work to investigate and find the source of an issue (e.g. burst pipework).
The policyholder can decide the 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 because of an insured event.
Can include Liability Insurances such as Property Owners’ Liability, Employers’ Liability and Public Liability.

Commercial Property Insurance