Commercial Property Insurance

Safeguarding Your Commercial Assets.

Commercial property insurance covers buildings and contents used for business purposes, protecting you against risks like fire, flood, theft, and accidental damage.

Benefits

  • Comprehensive building and contents cover

  • Protection against business interruption losses

  • Covers office buildings, warehouses, shops, and more

  • Optional add-ons for public liability and equipment

What Is Commercial Property Insurance?

Commercial Property Insurance covers physical business premises — such as shops, offices, warehouses, and mixed-use buildings — against risks like fire, flood, theft, vandalism, and structural damage.

Unlike residential insurance, this type of cover is tailored for properties used for commercial purposes, whether you own a single high-street shop or a portfolio of office spaces.

A Policy May Include

  • Buildings Insurance: Covers the structure (walls, roof, fixtures) against damage

  • Landlord’s Contents Insurance: Protects items like carpets, light fittings, appliances

  • Loss of Rent: Compensates if damage renders the premises unlettable

  • Property Owners’ Liability: Protects you if someone is injured on the premises

  • Terrorism Cover: Optional but relevant for city centres or high-risk areas

  • Unoccupied Property Cover: Ensures protection during vacant periods

Why Is It Important?

Commercial property is often a business owner’s most valuable asset — and a key income stream if it’s rented out.

But buildings are vulnerable to natural disasters, accidents, and third-party claims. Even a small incident can lead to major repair costs, business disruption, or legal issues.

With proper insurance in place, you’ll have:

  • Financial protection against repair, rebuild, or legal liability costs

  • Business continuity via loss of rent or alternative premises

  • Lender compliance — most commercial mortgages require active buildings cover

  • Peace of mind to focus on growth, not risk

Who Needs Commercial Property Insurance?

This insurance is essential for:

  • Commercial landlords — renting to retail, industrial, or office tenants

  • Owner-occupiers — using the premises for their own business operations

  • Property investors — with single units or large portfolios

  • Developers — holding assets pre-sale or pre-conversion

  • Mixed-use landlords — e.g. ground floor retail with flats above

Whether the property is fully tenanted, part-vacant, or under refurbishment, having the right cover protects your investment.

How Does the Process Work?

At Matwill Capital, we tailor each policy to your property and business model in five key steps:

  1. Property & Risk Assessment
    We gather details on your building’s size, structure, use type, tenant profile, and occupancy status.

  2. Coverage Mapping
    Based on the risk profile, we recommend appropriate covers — from basic buildings cover to rent loss, liability, or unoccupied risk.

  3. Market Comparison
    We source options from specialist commercial insurers, balancing premium with comprehensiveness.

  4. Policy Setup
    We assist with documentation, lender coordination (if mortgaged), and cover activation.

  5. Ongoing Support
    Claims, changes in tenancy, or new acquisitions — we ensure your cover evolves with your portfolio.

Client Success Story

A Fire, a Shutdown — and a £120K Safety Net

In early 2024, one of our clients — a landlord owning a retail unit in East London — experienced a fire caused by faulty electrics in a tenant’s shop. The entire unit had to close for repairs, and the tenant was unable to operate for months.

Thanks to robust commercial property insurance, our client’s building repairs were fully covered. In addition, they received loss of rent compensation for over 4 months — totalling nearly £120,000.

“Without that cover, I would’ve lost both my income and the tenant. Matwill made sure the claim was smooth, and the rebuild started within two weeks.”
— M. Rahman, Commercial Landlord

Frequently Asked Questions

Do I need commercial insurance if I use the building for my own business?
Yes. Owner-occupied buildings still face risks — fire, flood, liability, and more. You should have both buildings and business contents cover.

Can I get cover for an empty or under-refurbishment property?
Yes, but special terms apply. We help you secure unoccupied property insurance, with conditions for inspections, security, and heating.

Is it a legal requirement?
It’s not legally required, but most commercial mortgage lenders mandate active buildings insurance.

Will my policy cover tenant damage?
Intentional damage may not be covered unless specified. We recommend considering accidental/malicious damage as an add-on.

Can I insure multiple commercial properties together?
Yes. We offer portfolio policies with simplified admin and potential discounts for multi-property owners.

Why Choose Matwill Capital?

  • Access to specialist commercial property insurers across the UK

  • Expert guidance for both landlords and owner-occupiers

  • Support for unoccupied, high-value, or complex risk properties

  • End-to-end service — quote, cover, claims, renewals

  • FCA-authorised, with experience in property, lending, and risk advisory

Protect What Matters — Get Insured Today

Secure the Foundations of Your Business.
Your building deserves the same protection as your balance sheet.

Let us help you build resilience, one policy at a time.