Antique Insurance service

Commercial Property Insurance

If you own a commercial property, Lumley Insurance Limited are pleased to be able to offer Commercial Property Insurance to ensure your investment properties are appropriately and adequately covered.

Commercial premises vary hugely in construction, location and size, and the nature of the occupant is a key factor when insurers consider the premium to charge. It is important that underwriters understand the activities taking place at the property, and the potential risk of damage as a result of the nature of the tenant. These are all factors that our professional and highly skilled team will need to take into consideration for every business customer in order to ensure that any policy recommended provides appropriate levels of cover for a customer???s unique needs.

Commercial Property Insurance policies cover the standard Buildings, Loss of Rent and Property Owners Liability risks. Cover is typically on an ???All Risks??? basis, including Accidental Damage and Subsidence, though Sprinkler leakage cover is an option if required. Commercial Property Insurance policies often include post-loss inflation protection provisions, and can facilitate composite insured scenarios. Policies can be on an individual premises basis or portfolio. Please note that terrorism cover is not included as standard under commercial property policies, but can be added at an additional cost. Please carefully consider the need for this important cover, and talk to us if you need guidance and advice.

How to proceed

If you'd like us to find you a competitive and comprehensive quote for Commercial Property Insurance, please either complete our online form or contact us directly on 01285 885 885 to discuss your requirements in more detail.

Our office opening hours are 8.30am to 5.30pm Monday to Friday, and that we aim to respond to your enquiry as soon as possible within these times.