PROPERTY COVER
Commercial Property Insurance
Specialist insurance for commercial property owners and landlords with investment portfolios.
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Protecting Your Property Investments
Whether you own a single commercial unit or a portfolio of properties, your buildings represent significant investment. Our commercial property insurance protects against physical damage, liability claims, and lost rental income. We work with specialist commercial property underwriters to arrange comprehensive cover that reflects the true value of your investments. For standard SME commercial property placements without HNW characteristics, see kensington-insurance.com.
What's Included
Building Cover
Full rebuilding cost cover including specialist construction, listed buildings, and heritage properties.
Rental Income
Protection against lost rent if your property becomes uninhabitable due to an insured event.
Property Owner's Liability
Cover for injury or damage claims from tenants, visitors, and members of the public.
Portfolio Discounts
Multi-property policies with portfolio discounts and simplified administration.
Unoccupied Property
Cover for void periods between tenants with no automatic exclusions.
Terrorism Cover
Optional terrorism cover through Pool Re for properties in high-risk locations.
Why Commercial Property Owners Need Specialist Cover
Rental Income Protection
If your property becomes uninhabitable due to an insured event, loss of rent cover continues your rental income for up to 36 months — protecting your cash flow and mortgage obligations.
Portfolio Efficiency
We insure entire commercial portfolios under single policies — reducing administration, securing volume discounts, and providing consistent cover terms across all your properties.
Terrorism & Flood
Pool Re terrorism cover and specialist flood protection for properties in high-risk zones. We ensure your assets are protected against the perils standard policies exclude.
How We Insure Commercial Property
1. Portfolio Review
We assess each property's rebuild cost, construction type, occupancy, location risk, and rental income to build a comprehensive picture of your insurance requirements.
2. Market Placement
We approach specialist commercial property insurers and Lloyd's syndicates to secure cover that includes terrorism, subsidence, unoccupied periods, and alternative accommodation for tenants.
3. Claims Management
From burst pipes to major fire damage, we manage the claims process end to end — instructing loss adjusters, expediting settlements, and liaising with tenants on your behalf.
Frequently Asked Questions
Yes, portfolio policies are our speciality. They simplify administration, reduce costs, and provide consistent cover across all your properties.
We arrange policies that maintain full cover during void periods, unlike standard policies that may impose restrictions after 30 days.
Yes, we regularly arrange cover for properties with both commercial and residential use, including HMOs.
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Get the right cover for Commercial Property Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover