Commercial Building & Contents Insurance
Your business premises are more than bricks and mortar; they’re the foundation of your operations. Whether you own an office, shop, industrial unit, or commercial property portfolio, our insurer’s commercial building insurance offers protection you can depend on.
We work with a panel of trusted insurers to source cover that reflects your property’s use, location, and level of risk, ensuring your policy is shaped around your real-world needs, not just a checklist.
Why Choose Chris Knott for Commercial Building Insurance?
At Chris Knott, we believe insurance should support your business, not hold it back. That’s why we assign you a dedicated account handler who will take the time to understand your property and what it represents to you. Our insurance policies cover a wide range of risks, including fire, flood, theft, accidental damage, subsidence, and more.
We also offer flexible options for:
- Property owners with multiple locations
- Unoccupied commercial properties
- Mixed-use buildings
- Landlords leasing to third parties
Whether you’re a landlord or a business owner managing your premises, we’re here to help you stay protected and compliant, with a policy that evolves as your business does.
What’s Typically Covered?
Depending on your policy, commercial building insurance can include:
- Structural damage (including walls, roofs, floors)
- Fire, flood, storm, or escape of water
- Vandalism and malicious damage
- Subsidence and ground movement.
- Property owner’s liability
- Rebuild costs, including debris removal and architect fees
Need cover for business contents, stock, or liability? We can build that in, too. Our team can combine policies or recommend tailored packages that keep your cover cost-effective
Speak to Our Commercial Team
We know that every business is different, so let’s talk about what makes yours tick. Our commercial team is on hand to answer questions, compare options on your behalf, and help you set up insurance that protects your property and your peace of mind.
Call us today or request a callback to speak with a member of the Chris Knott team.
Frequently Asked Questions
A commercial property is any land or building that is used to generate income and isn’t residential. For instance, shops, village halls, gyms and offices are all considered commercial property.
Although it’s not the law, if you have loans or mortgages against the commercial property, it’s likely that the provider will insist that you have Business Buildings Insurance at the very least. This ensures that their investment is protected. We would also recommend it to protect your investment. If anything happens to the property, such as fire, theft or flood, insurance will cover the cost to repair or rebuild. If you can’t use the building or rent it out, it could have a serious impact on your income.
Yes, insurance is available for unoccupied business buildings. These are often subject to certain conditions, such as regular inspections, but we can explain your options when you arrange a Commercial Property Insurance quote with us.
As with most commercial insurance policies, the premium is dependent on a number of factors, including:
- Value
- Location
- Business activities undertaken
- Claims history
For a bespoke quotation, contact our Commercial team on 0800 917 2274 today!
