Commercial Property Insurance
Commercial Property Insurance
Your property is one of your biggest business assets — protecting it properly is essential.
At Oakwood Insurance Brokers, we arrange tailored Commercial Property Insurance designed to protect your buildings, rental income, and financial stability — whether you own, lease, or manage property.
Because when something goes wrong, it’s not just bricks and mortar at risk — it’s your livelihood.
What Is Commercial Property Insurance?
Commercial Property Insurance protects physical buildings and associated risks against damage, loss, or unforeseen events.
This can include:
- Offices
- Shops & retail units
- Industrial units & warehouses
- Mixed-use properties
- Investment and tenanted properties
Whether you’re an owner-occupier or landlord, the right cover ensures your property — and your income — is protected.
Landlords & Property Investors
If you rent out property, your risks go beyond the building itself.
We can arrange cover for:
- Single properties or full portfolios
- Residential and commercial lets
- Mixed-use buildings
- Unoccupied properties (subject to conditions)
We’ll also help you understand fair apportionment of insurance where properties are shared or split between tenants — something many landlords overlook.
What Can Be Covered
Every property is different, so we tailor cover to suit your specific risks.
Buildings Insurance
Covers the structure of your property against risks such as:
- Fire
- Flood
- Storm damage
- Subsidence
- Escape of water
- Impact damage
Loss of Rent / Business Interruption
Protects your income if the property becomes uninhabitable following an insured event.
Property Owners’ Liability
Covers injury or property damage suffered by tenants, visitors, or third parties.
Contents & Fixtures
Covers internal fixtures, fittings, and contents where applicable.
Malicious Damage & Theft
Protection against vandalism, break-ins, and criminal damage.
Legal Expenses
Support with disputes relating to tenants, contracts, or property issues.
Key Risks to Consider
We regularly see claims arising from:
- Escape of water causing major internal damage
- Storm damage to roofs and structures
- Fires leading to long-term loss of rental income
- Tenant-related damage or liability claims
- Underinsurance — where rebuild values are incorrect
Getting the sums insured right is just as important as having cover in place.
Why Choose Oakwood
We don’t just arrange a policy — we make sure it actually works when you need it.
- Tailored property insurance solutions
- Access to leading UK insurers
- Clear advice on rebuild values and risk exposure
- Support at claim stage — when it really matters
- Experience with complex setups (shared buildings, tenants, leases)
We take the time to understand your property, your tenants, and your long-term plans.
Avoid Costly Gaps in Cover
Incorrect cover, outdated rebuild values, or unclear responsibilities between landlord and tenant can lead to major issues at claim stage.
We make sure everything is clear, fair, and properly protected from day one.
Get a Commercial Property Quote
- Speak to our team today
- Request a callback
- Or send us your details for a review of your current cover
Get in touch!
Whatever your insurance needs are, let us provide you with a no obligation quotation. Our Insurance Consultants can quote for any insurance you need, car, building and contents, or travel, pets and commercial. You will be surprised by the length and breadth of our insurance cover. We are just a phone call or email away.
Oakwood Insurance Brokers is a trading style of Oakwood Consultants 2015 Ltd which is authorised and regulated by the Financial Conduct Authority (676060). Registered in England & Wales company number 09338511