Commercial Property & Landlord Insurance | SRS Insurance
Protect your commercial property or portfolio with SRS Insurance. Tailored cover for shops, offices, warehouses, and mixed-use buildings across the UK.
What Is Commercial Property Insurance?
Commercial Property Insurance protects your building and contents used for business or rental purposes against major risks such as fire, flood, theft, vandalism, and accidental damage.
Whether you own a single premises or manage a large portfolio, this cover ensures your investment is protected and your rental income is secure.
It’s ideal for:
- Commercial landlords leasing units to tenants
- Property investors with multiple lets
- Mixed-use property owners (shops with flats above)
- Businesses owning their own premises
What Types of Properties Are Covered?
SRS Insurance offers flexible policies that can cover:
- Shops and retail units
- Offices and consultancy spaces
- Industrial units and warehouses
- Restaurants, cafés, pubs, and takeaways
- Mixed-use premises (commercial + residential)
- Vacant or unoccupied buildings
- Entire property portfolios under one master policy
What Does Commercial Property Insurance Cover?
A standard SRS policy can include:
- Buildings Insurance Covers the structure, fixtures, and fittings of your building against insured events like fire, flood, or storm damage.
- Landlord Contents Optional cover for furnishings or equipment within the property.
- Loss of Rent Protects your income if tenants can’t occupy the property following a claim (e.g. fire or flood).
- Public Liability Covers injury or damage to third parties on your premises.
- Employers’ Liability Required if staff, contractors, or caretakers work on-site.
- Legal Expenses Helps with disputes such as tenant claims, evictions, or contract issues.
- Terrorism Cover (Optional) Often required by lenders or commercial mortgage providers.
Example Scenarios Covered
- Fire damages a tenant’s retail unit — landlord claims for repairs and lost rent
- Storm causes roof damage to a warehouse
- Vandalism at an unoccupied property
- Legal dispute with a commercial tenant over lease obligations
How Much Does It Cost?
Premiums depend on:
- Property location, type, and rebuild cost
- Tenant business type (e.g. takeaways or nightclubs = higher risk)
- Occupancy status (let vs. unoccupied)
- Claims history
- Number and value of properties
Typical guide:
- Single property: from £250 per year
- Portfolios (2+ properties): discounted multi-property rates
SRS Insurance can combine all your properties into one easy-to-manage policy — saving you both time and money.
Portfolio Policies – Simple & Cost-Effective
Managing multiple properties? A portfolio policy offers:
- One renewal date for all properties
- Consolidated premium and documents
- Competitive multi-property discounts
- Flexibility to add or remove properties mid-term
Whether you own commercial units, offices, or residential lets, SRS makes it simple to protect your entire portfolio under one umbrella.
Why Choose SRS Insurance?
- Specialists in landlord and commercial property insurance
- Access to top UK insurers and bespoke underwriting
- Tailored cover for mixed-use, vacant, and multi-let premises
- Dedicated claims and renewal support
- Expert advice from a Yorkshire-based brokerage you can trust
Get a Quote Today
Protect your property investments with SRS Commercial Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.