Commercial Property Insurance

Commercial Property Insurance is complex, and deciding which policy features you need can be difficult. With so much to consider, it's important you seek specialist guidance to understand the related risks and the type and level of cover you need.

Specialist guidance

At Clear, we understand the world of commercial property and count some very successful property owners with large portfolios among our clients, as well as single-property investors.

We know that no two properties are identical, and a one-size-fits-all approach can't work for all clients. We pride ourselves on our client-focused approach, sharing our knowledge and experience in a clear and straightforward manner so our clients and their stakeholders can rest assured that their asset is properly protected.

Commercial Property Insurance services and covers

Tailor-made schemes designed to provide the best possible protection for your commercial property

Cover available for most commercial property types

Buildings Insurance

Loss of Rent cover

Directors & Officers Liability cover

Bespoke policy wording available with enhanced cover

Options available for Terrorism cover

Contract vetting to identify insurance requirements for major works

Access to dedicated property insurance specialists, claims advisors and our 24/7 online claims reporting service

Pi-Property Insurance

The specialist formula for commercial real estate insurance.

Find out more

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Frequently asked questions

What types of property can you arrange cover for?

Among others, we can arrange insurance for:

Office blocks
Warehouses
Industrial manufacturing premises
Shopping centres
Retail and leisure operations
Restaurants, cafes and public houses
Hotels
Vacant premises
Properties for redevelopment
Student accommodation

Can you offer an enhanced level of cover?

We can provide bespoke policy wording to clients with enhanced cover.

As an independent broker, we have the flexibility to provide a tailored service to each client and are not bound by the rigidity associated with large corporate organisations.

No two property companies are the same and a one-size-fits-all approach is not to the benefit of our clients. Usually different types of property can be covered under a single portfolio arrangement and we have negotiated enhanced policy wordings to ensure you don’t have to decide what additional extensions you need.

Can you guarantee the security of the insurance underwriter?

Ultimately, no broker can guarantee the security of the insurance underwriter. However, Clear's policy is to aim to work with only those insurers with a Standard & Poor's (S&P) rating of 'A' or above.

Do you have experience dealing with landlords and tenants?

Many years of working within the property sector have taught us the nature of the relationship between landlord and tenant and the implications of a fully insuring and repairing lease. We understand how to protect the landlord's interests whilst dealing fairly and efficiently with their tenants.

Insurance costs form a large part of service charges so owners, managers and tenants all need to know that they are buying the right cover at the right price.