ALDIUM Insurance
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Property Owners Insurance
Commercial Landlord Insurance
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Get a Commercial Landlord QuoteComplete the form — a specialist will be in touch promptly. |
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What Is It?
What Is Commercial Landlord Insurance?Commercial landlord insurance is specialist property cover for owners of buildings let to business tenants on commercial leases. It is distinct from residential landlord insurance — commercial properties carry different risks, different lease structures and different liability exposures that a residential policy cannot adequately address. A commercial landlord policy is built around the realities of a commercial letting — covering your building against damage and loss, protecting you from liability claims arising from tenants, customers and visitors, and maintaining your rental income if a claim makes the property unusable. Aldium Insurance arranges commercial landlord cover for individual unit owners, multi-property commercial portfolios and mixed-use buildings across the UK. As an independent broker we access the specialist commercial property market to find the right policy for your property type and tenant use. |
Definition
"Commercial landlord insurance covers buildings let to business tenants — combining buildings protection, property owners liability and loss of rent into a policy structured around commercial lease obligations and business occupancy risks." |
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Independent Broker
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Whole of Market Access
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Dedicated Account Handler
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Claims Support
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Buildings InsuranceCovers the structure of your commercial building against fire, flood, storm, escape of water, subsidence and impact. Must reflect the full commercial rebuild cost including professional fees. |
Property Owners LiabilityProtects you against claims from tenants, their customers and visitors for injury or damage occurring in areas under your control — car parks, communal areas, shared facilities and the structure itself. |
Loss of RentPays your rental income if your commercial property becomes unusable following an insured event. Commercial repairs are complex. |
Landlords Contents CoverCover for your contents excluding the tenants conents for which they are responsible for arranging their own cover. |
Terrorism CoverExcluded from standard commercial policies. Cover is available via Pool Re — the government-backed scheme. Recommended for city-centre properties and those where leases specifically require it. |
Unoccupied ExtensionsStandard policies restrict cover after 30–45 days of vacancy. If your property is empty between tenants, we can arrange unoccupied cover so protection continues uninterrupted during the vacant period. |
Legal ExpensesCovers the cost of commercial lease disputes, service charge enforcement, contractor disputes and planning matters. Commercial legal proceedings can be costly — this cover transfers that risk. |
Employers LiabilityLegally required if you employ any staff — maintenance workers, cleaning staff or site managers. Applies to casual and part-time employment. Minimum £5 million required by law. |
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Property & Tenant Types
What Types of Commercial Property Do We Cover?The type of commercial tenant and their use of your property is a key underwriting factor. Different occupancies carry different risk profiles — which affects both the cover you need and how we present your risk to the market.
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Why Aldium
Why Choose Aldium?Independent. Specialist. On Your Side.Commercial property expertise — we understand lease obligations, FRI structures and the insurers best placed for your property type.
Lease review included — we can check your lease obligations before placing cover so your policy meets every contractual requirement.
Whole of market access — not tied to any panel. We find the right insurer for your specific occupancy and risk profile.
Portfolio experience — from a single unit to a multi-property commercial portfolio, we structure cover to match your investment.
Claims support — when a claim happens, our team manages the process on your behalf, not the insurer's.
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Who is responsible for insuring a commercial property — landlord or tenant?The landlord is typically responsible for buildings insurance. Under a Full Repairing and Insuring (FRI) lease, the tenant covers internal repairs and the insurance cost may be recovered via service charge. The tenant must separately insure their own contents and business interruption. |
Does terrorism cover come as standard?No. Terrorism is excluded from all standard commercial property policies. Cover is available through Pool Re — the government-backed terrorism reinsurance scheme. It is recommended for city-centre locations and is required by some commercial leases. We will advise based on your specific property and lease. |
What happens when my commercial property is vacant between tenancies?Notify your insurer as soon as the property becomes vacant. Most standard commercial policies restrict or suspend cover after 30–45 consecutive days. You will need a specific unoccupied property extension or standalone unoccupied policy to maintain full protection during the vacant period. |
What is an FRI lease and how does it affect my insurance?A Full Repairing and Insuring lease places responsibility for internal repairs and sometimes insurance costs on the tenant. As the landlord, you still retain responsibility for the building structure. We review your lease obligations before placing cover to ensure the policy is correctly structured. |
How long should my loss of rent indemnity period be?Commercial buildings take longer to repair than residential ones — reinstatement often involves planning consent, specialist contractors and complex fitouts. We recommend a minimum 24-month indemnity period for most commercial properties, particularly restaurants, pubs and industrial buildings. |
Can I cover a portfolio of commercial properties on one policy?Yes. A multi-property commercial portfolio policy simplifies administration with one renewal date and one point of contact, and typically achieves better premium rates per property. We arrange portfolio cover for commercial landlords holding multiple units across different locations and tenant types. |
Independent advice and a tailored quotation for your commercial property. We understand lease obligations, commercial tenant risks and the specialist markets that deliver the best terms.
| Get a Commercial Quote | Call 0151 336 5881 |
| Independent Broker | FCA Regulated | Commercial Specialists | UK Based Team | Claims Support |
