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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.
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Why Clear?

At Clear, we understand what every commercial property owner needs from their broker.

Whether you are a commercial landlord with a single asset or managing a complex property portfolio across multiple sites. Our commercial property insurance advice is built around your portfolio, not a one-size-fits-all policy schedule.

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

We arrange tailored commercial property insurance programs covering buildings, Loss of Commercial Rent together with business interruption and property owners liability, designed around your specific property type and risk profile.

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

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Cover available for most commercial property types

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Buildings Insurance

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Loss of Rent cover

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Directors & Officers Liability cover

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Bespoke policy wording available with enhanced cover

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Options available for Terrorism cover

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Contract vetting to identify insurance requirements for major works

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

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Our in-house claims team

If you need to make a claim, our friendly in-house claims team is here to guide and support you at every stage. You'll have a dedicated claims handler to manage the process and act as your advocate, handling all communications with your insurer to help secure the best possible outcome for you.
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50+ strong team of claims based staff

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On average, handling over 18,000 claims per year

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Experience with 44 different lines of insurance

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A dedicated technical claims team

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Delegated authority claims handling with some property insurers

When property damage occurs, speed and expertise matter. As your insurance broker, we manage the entire claim on your behalf or on behalf of your tenant, from initial notification through to settlement, so your commercial property owners insurance works as hard as your investment deserves.

Let's put you in touch with a specialist

Make a call or fill in the form
Want to speak to someone?

Call this number

clear group
Thank you for getting in touch. Your enquiry has been successfully submitted. Our team will be in touch shortly to assist you with your insurance needs.
Thank you for trying to get in touch. There was an issue with your submission. Please double-check your information and ensure all required fields are completed. If the problem persists, please contact our main number 03330 570 115 for assistance.
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Appointed representative status

At Clear, we understand that regulation can be a minefield. Being an appointed representative can offer a solution that enables you to focus on property management and service, whilst we assist you with regulation. There are several benefits to becoming an Appointed Representative of an insurance broker, including the following:
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Enhanced reputation in the industry and with your clients

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Professional development

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Regulatory compliance

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Access to resources and support

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Reduced administrative burden

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Compliance support

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Claims handling expertise

Let's put you in touch with a specialist

Make a call or fill in the form
Want to speak to someone?

Call this number

clear group
Thank you for getting in touch. Your enquiry has been successfully submitted. Our team will be in touch shortly to assist you with your insurance needs.
Thank you for trying to get in touch. There was an issue with your submission. Please double-check your information and ensure all required fields are completed. If the problem persists, please contact our main number 03330 570 115 for assistance.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

Trade specialists

As an experienced commercial property insurance broker, we source and structure a suitable insurance policy for each client. Every insurance broker on our team specialises in property owners risk.

Chartered status

Chartered status

In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.

Exceptional service

Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.

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

All policy types include property, loss of rent and property owners liability cover as standard. For vacant or unoccupied property, we help ensure your cover is maintained correctly. We can arrange accurate rebuild cost assessments through our specialist partners to protect against underinsurance.

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.

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.

Enhanced options include bespoke commercial landlord insurance wordings and sector-specific extensions.

As your commercial property insurance broker, we review your full commercial property insurance programme annually to ensure cover keeps pace with changes in your portfolio, tenancy mix, or property values.

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 an appropriate price. 

The bigger picture

Stay up to date with news about the insurance landscape and how it affects you and your business