Commercial Let property insurance - shops, offices, cafes etc

This page is about let property insurance for commercial premises of businesses such as shops, offices, restaurants etc

Commercial Let property insurance of businesses

This policy meets the demands and needs of a property owner of commercial premises that they do not occupy. It does not cover contents, shop windows, or liability of the tenant (all of which should be insured under the tenants own business insurance policy). It is not suitable for manufacturing, wholesaling, motor trade or industrial risks, night clubs, public houses with discotheques or shops selling combustible materials e.g. fireworks.

Some areas cannot be covered - see this link and although subsidence cover is provided automatically, some postcodes have the subsidence excess increased from £1000 to £2500.

Type of property
Sum Insured (max £2,000,000)	£(A minimum premium of £200 +IPT will apply) Program will amend Sum insured if necessary
Flat roof? (Bitumen/ Felt)
Listed property
Quoted Premium	(Subject to further assumptions below.) Very short policy summary of cover
Declaration (must be accepted 'as is' if you cannot then please contact us on 0870 7456247) I declare that:- The property is not in an 'unacceptable Postcode' The sum insured represents the full rebuilding cost of the premises including fixtures, fitting, garages,walls, gates, footpaths etc and allowance for architects and surveyors fees and debris removal costs I have checked the subsidence excess that will be applied. The property is built after 1850 and I am insuring the whole property The property is of standard construction (brick/stone concrete and roofed with slate, tiles, metal, concrete, ashfelt or bitumen.) The premises are not occupied by anyone with non-motor criminal convictions and the owners have no non-motor convictions The property is occupied (or will be) by acceptable trades and the quote is for the whole of the let property. If the property is unoccupied then it will be occupied within 30 days If there have been claims then there is no claim in excess of £5,000, two or more claims with a total cost exceeding £2,500 or 3 or more claims. I have not had insurance declined, special terms or conditions imposed on any of the risks I wish to insure.
Your Name/ business name
Your address (inc postcode)
E-mail address	Tel number
Location of property (inc postcode)
Trades in premises (list all)
When do you need cover?	(No cover is provided until payment received)
Previous insurance & expiry
Further Information	You are reminded of your duty to disclose all material facts when applying for any insurance contract, at renewal or when they change. Failure to do so may result in your policy not protecting you in the event of a claim. I have declared all material facts.