Commercial Property Insurance


Whether you’re running a single premise or multiple premises, it’s easier and ideal to have everything covered in one simple insurance package. But people’s businesses and properties will vary from person to person, so finding the right insurance package isn’t always straightforward.

But with Cubit Insurance, you’ll be pleased to know your solution is simply a phone call away.

Choose us, and you’ll benefit from our highly rated panel of insurers who come with an award-winning claims service*, a 24-hour emergency helpline, an assortment of paying methods, and much more.

In light of the above, we are pleased to announce the following components which come with our insurance:

  • £5,000,000 property owners liability included as standard
  • Loss of rent cover included standard
  • Damage to landscaped gardens
  • Index linking available to ensure you are never underinsured
  • Loss of metered utility supplies
  • Trace and Access for leaks and burst pipes
  • Alternative Accommodation expenses
  • Option to extend the core Legal Expenses cover and add Terrorism and Employers’ Liability cover if required
  • Protection for any-sized businesses or property - our customers include a wide variety of business owners across the UK
  • We offer specialist bespoke policies for:
  • Shops – find out more
  • bars, pubs & night clubs
  • Restaurants & takeaways
  • Offices
  • Tradesman & professional
  • People working from home
  • Surgeries
  • Hotels
  • People working from home
  • Surgeries
  • Hotels
commercial property insurance

Even if you’re not in the list, it’s still worth giving us a call; we offer insurance solutions for any circumstance, and we’re certain we’ll find something right for you!

What’s covered by the policy?

  • Your buildings, fixtures and fittings: including gates, fences, car parks, outbuildings/detached garages/ storage units
  • Business interruption: if your business has to close following a fire, flood or forced entry, we’ll make up the shortfall in your income to ensure your business can keep on going
  • Cover for stock and cash in your business: available with some commercial property policies. You’ll get a 25% increase in stock cover at peak seasons** as well
  • Legal expenses and a 24-hour legal helpline: we’ll cover your legal costs if you’re involved in data protection, employment, VAT and other types of disputes (see the policy wording for more info)

What can I add?

You’ll also be able to choose a wide range of optional extras for your policy at the point of purchase, tailoring your policy to its specific needs and requirements. If you decide to insure your buildings, for instance, you can add cover for subsidence, malicious damage by tenants, landscaped gardens and much more.

You can also add such extras as: cover for theft by employee’s goods in transit, freezer contents, and many more. See the policy wording.

Don’t Understand Commercial Property Insurance?

If those quotes above are confusing, don’t worry; to make your life easier, we’ve provided a rundown of commercial property insurance:

What is Commercial Property Insurance?

Commercial Property Insurance – also known as Commercial Landlord Insurance – is what a property owner needs when they are letting out their properties to third parties, who in turn use them for commercial use. When a business, organisation or group has a rental agreement with you, they become your tenant, and you become a landlord, which is why you need such a policy.

Why is it different from Domestic Landlord Insurance?

Commercial Property Insurance differs from a standard residential let property insurance in two ways; the types of buildings it’s used for, and the types of tenants whom may occupy the property.

In relation to buildings, commercial properties tend to be much less of a standardized construction, meaning the heating and electrical systems, for example, tend to be more complex. This inevitably leads to longer and more expensive periods of fixing, something which standard property let insurance can’t cover, and why commercial property insurance becomes a must.

In relation to the types of tenants you’ll have, they’re likely to engage in actions, or operate in such a way, which your average domestic tenant would not – whether that’s the number of people inside the building, the type of equipment they might be using, or the materials they’re dealing with, you need an insurance policy which analyses the building’s use and assess the potential risks and costs accordingly.

What does Commercial Property Insurance cover?

Rebuild Costs – one of the key features of commercial property insurance, you need to be able to cover the costs for any damage repair or rebuilding which could occur on any one of your properties. Being under insured would have a significant effect on claiming the full amount needed.
Loss of Rent – also known as the indemnity period, we’ll pay out for rent in the event of your property having become uninhabitable, for example after a severe fire or flooding. This helps you to avoid losing out financially.

Landlord’s Contents – anything not attached to the walls, ceilings and floors of your building would be considered content, and therefore should be protected in light of any damage. Anything which belongs to your tenant, however, will come under their own business insurance policy.
Property Owner’ Liability – often overlooked, liability insurance is needed to compensate 3rd parties in light of any property damage or injuries having occurred through negligence. Don’t forget, you’re liable in such circumstances as the responsibility of the property is yours.

Accidental Damage – this is for any damage done to the property not classed under an insurable peril. It could be something as standard as damaging a pipe, during the process of banging a nail into the wall.

Legal Cover – you’ll be helped with your legal fees when you’re taking someone to court for non-payment.

Get an Insurance Quote for you

What they say


  • Very helpful staff and great prices. Very happy customer 🙂

  • If you want to get Insurance services, I think cubit Insurance is much better option. I used their services and I am very satisfied. They are actually providing good services.

  • Jay’s customer service was excellent and the way he explained the policy was very clear and easy to understand… definitely recommend, ask for Jay.

  • Cubit insurance have offered me a great service today. Mohammed and Ozlem was very friendly, helpful and professional. I definitely recommend!

  • I am Happy to have cheap car insurance from cubit. I have observed cubit insurance as the best insurance company because of its cooperative and on time responsive staff.

  • Very happy, jay is very polite and nice guy. If possible id give more than 5 stars

Testimonial by insurance client
Get update with us

Recent News

We are Moving

Its an exciting time for Cubit Insurance as over the recent months we have been going through...

The UK Pot hole Plague

A new report from the Transport Committee has condemned the worsening state of road networks across the...

The Future – Petrol and Diesel Free from 2032?

In July 2017, the government proposed to ban the sale of petrol and diesel cars by 2040,...

Cients really love us

Being FCA regulated means we give our clients that peace of mind to be able to deal with all their queries to the industry standard whilst exceling in service

Subscribe to newsletter

Get Update With Us