Commercial building insurance
Join nearly 1 million customers like you – we offer public liability cover from £4.74*
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- Get tailored commercial building insurance quotes in less than 7 minutes
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is commercial building insurance important?
From leaking pipes to electrical faults, everyday building risks can be devastating for a small business. Commercial property insurance is designed to help cover repair or rebuild costs, if your business buildings are damaged during an event like a storm, or if it’s been vandalised. You can add this cover on to your business insurance policy, combining it with other popular options like contents insurance.
- combine business building and contents insurance, all in one policy
- rated 4.7/5 based on 39K+ public liability customer reviews
- trusted by nearly 1 million small UK businesses for flexible, tailored cover
What does commercial building insurance cover?
Office-based businesses often have automatic cover provided by the owner of the building or management company, but if you own your premises or need protection for equipment, contents, and fittings, a tailored quote featuring office contents insurance and buildings cover can be a key support.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does commercial property insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example commercial property insurance quotes, real prices
![](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/churchill-1.png?w=129)
£52.23 /month
£464.24 /year
An owner-run clothes shop located in a small retail space
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Birmingham
Public liability
£2,000,000
Employers’ liability
Not included
Buildings
£150,000
![](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/maltings.webp?w=100)
£94.39 /month
£839.05 /year
A large sandwich shop located on a busy high street, operating a 5 litre deep fat fryer and ATM machine
- 5+ years’ experience
- Limited company
- 3 employees
- Based in Belfast
Public liability
£5,000,000
Employers’ liability
£10,000,000
Buildings
£225,000
How we work out building insurance example quotes. These examples are real quotes from our online system (created 07/03/2023). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
Looking for something else?
Depending on your set-up, clients and business type, these expert covers might be helpful too:
- Business contents insurance
- Business equipment insurance
- Business interruption insurance
- Business legal protection insurance
- Contract works insurance
- Limited company insurance
- Office premises insurance
- Personal liability insurance
- Product liability insurance
- Professional liability insurance
When you run a quote you can select from a range of covers.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
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Get your documents the same day
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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example business building insurance claim
Having business property insurance through Simply Business has saved UK SME owners thousands of pounds when the unexpected happened.
Liz saved more than £22,000
Subsidence caused a wall at Liz’s (not her real name) shop to collapse. The optional business buildings insurance added to Liz’s business policy helped cover emergency repair work.
Insurance payout
£22,938.00
Covering the cost of subsidence
Insurance payout
Covering the cost of subsidence
Covering the cost of subsidence
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Commercial building insurance FAQ
Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about commercial building insurance.
You can also check out our business insurance FAQs.
If you own a business premises, there are lots of risks you’ll face on a daily basis which could cause serious problems for you or your tenants. Commercial buildings insurance can protect your contents, fittings, and equipment, paying for repair or replacement costs if they’re damaged by an event like a flood or vandalised.
In most cases, the owner of the commercial premises (i.e. the landlord) is responsible for the buildings insurance. If you own your business premises outright, then it’s likely you’ll need buildings cover. Sometimes, the tenant may be responsible for buildings insurance, so if you rent a commercial space make sure you check your tenancy agreement and speak to your landlord to make sure you have the right cover in place.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
We provide a range of cover options for specific business types, including:
- Pub insurance
- Restaurant insurance
- Takeaway insurance
- Shop insurance
- Beauty therapist insurance
- Gym insurance
- Consultant insurance
- Hairdressing insurance
- Barber insurance
- Beauty salon insurance
Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions