At Drayton Insurance, we specialise in arranging commercial property insurance that protects your buildings, contents and income - with advice tailored to your business needs.
Whether you own a single premises or manage a portfolio, our experts are here to ensure you have the right cover in place, with no guesswork and no generic policies.
If you own or rent a property used for business purposes - such as a shop, office, pub, warehouse or unit - you’ll need insurance that reflects the potential risks involved.
Core elements typically include:
While property insurance protects your assets, General Liability Insurance is the most common type of business cover overall. It safeguards against claims made by third parties for injuries, accidents or damage caused by your business operations - which can happen on or off-site.
Even if you're confident in your safety measures, liability cover is essential for legal and financial protection.
Drayton Insurance offers a personalised, transparent alternative to online-only providers and national brokers. Our strength lies in our people - knowledgeable advisors who take time to understand your business and your buildings.
With Drayton, you get:
We work with all of the main UK insurers so we can offer expert advice to ensure your business is well protected. For the peace of mind that you have the right commercial insurance cover for your property, please give us a call on 01603 954841, send us an email or pop in and see us. Get in touch today!
Commercial property insurance covers the cost of repairing or rebuilding your commercial property if it is damaged or destroyed by an event such as a fire, flood, storm, or theft. It can also cover the cost of replacing your business's contents, such as furniture, equipment, and inventory. It will usually include cover for your legal liability as the owner of the property and can include cover for loss of rental income following an insured peril.
Commercial property insurance is a type of insurance that protects businesses from financial losses due to damage to their property or contents. It is an important type of insurance for any business, as it can help to protect your business's assets and ensure that you can continue to operate if something happens to your property.
The owner of the commercial property is typically responsible for buildings insurance. However, in some cases, the landlord or even tenant may be responsible for buildings insurance. This will depend on the terms of the lease and tenancy agreements in place and we would highly recommend discussing your legal obligations with a solicitor.
Any business or individual that owns or leases commercial property should consider getting commercial property insurance. Whether you have one property or several hundred, we can tailor a solution to meet your needs.
The cost will vary depending on a number of factors, including the value of the property, the type of business, the location of the property, its construction, and the level of coverage you choose.
It is not legally required for businesses to have commercial property insurance. However, it is a wise investment for any business that wants to protect its assets and ensure that it can continue to provide revenue should something happen to the property.
Yes, this insurance typically covers fire damage. However, there may be some exclusions, such as damage caused by arson or war.
Commercial property insurance can typically be used to cover a wide range of properties, including office buildings, retail stores, warehouses, factories, pubs, restaurants, schools and even hospitals.
Yes, there are a number of different types of commercial property insurance policies available, although many will provide similar types of cover. The type of policy you need will depend on your specific requirements.
Yes, you can typically customize your commercial property insurance policy to meet your specific needs. This may include adding or removing coverages, increasing or decreasing the level of coverage, and setting an appropriate excess.
As your broker of choice, we will usually:
Commercial property insurance can provide peace of mind and financial protection for you and your business. By comparing quotes and choosing the right policy, we can help ensure that you have adequate protection in place in the event of an unexpected event.
An empty property is a greater risk and you need to seek expert advice on insurance.
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