Commercial Property Insurance

Owning commercial property comes with plenty of responsibility and just as many risks. From structural damage to liability claims, your insurance should be tailored to the way the property is occupied.

At Chubb Thomas, we arrange commercial property insurance for landlords, developers and business owners, whether you’ve got a single shop, a warehouse or a commercial property with residential flats above.

We’ll work with you to understand your property, your tenants and your risks, then arrange business premises cover that actually fits.

Contact us for tailored commercial property insurance

What Does Commercial Property Insurance Cover?

Whether it’s a high street unit or an industrial site, commercial buildings often have more complex insurance needs. That’s why we don’t offer generic packages. We arrange tailored policies that reflect the building’s use and your responsibilities.

Your commercial property insurance can include:

Buildings insurance
Property owner liability insurance
Accidental or malicious damage
Loss of rental income and/or alternative accommodation
Landlord contents (for fixtures and fittings)
Employers’ liability (if applicable)
Legal expenses and rent guarantee options
Cover for unoccupied or part-occupied properties

Whether your building is used for retail, office space, hospitality or manufacturing, we’ll make sure your policy aligns with how your premises are actually used.

Ask us for a business premises cover quote tailored to your building

Who Needs Business Premises Cover?

We help a wide range of commercial property owners arrange the right cover for their buildings, including:

Commercial landlords
Commercial properties with flats above
Property developers
Freeholders and investors
Management companies

From single buildings to mixed-use properties and industrial units, we’ll take the time to understand what you own and how it’s used then build a policy that fits.

Talk to our team about your insurance needs

Why Choose Chubb Thomas?

We arrange tailored cover for all kinds of homes and circumstances—here are just some of the types of home insurance we can help with, in addition to standard household insurance:

Truly independent insurance broker based in Bournemouth, with no corporate ties
Insurance quotes tailored to your needs, across Dorset and surrounding areas
Speak directly to your dedicated contact—no call centres, no waiting
Work with your key person from start to finish
Insurance quotes tailored to your needs, across Dorset and surrounding areas
Fair fees and transparent advice every step of the way
Independent and unbiased—we’re not tied to any insurer, so you always come first
A reputation for excellence, delivering insurance services locally since the early 1980s.

Contact us for your tailormade insurance quote

FAQs

What is commercial property insurance?

It’s buildings insurance designed for commercial use, covering damage, liability, loss of rent and more. It’s essential whether you let the property or use it yourself.

Do I need property owner liability insurance?

Yes. If someone is injured or their property is damaged as a result of your building, property owner liability insurance helps cover legal costs and compensation.

Can I get cover for unoccupied commercial premises?

Yes. Whilst this is more specialised, we can arrange policies that cover properties between tenants, under renovation or awaiting sale.

Is landlord contents cover included?

It can be. If you provide furnishings, shelving or fitted equipment, we can include landlord contents as part of your commercial property insurance.

Can you cover buildings with mixed commercial and residential use?

Absolutely. We regularly arrange cover for mixed-use buildings, with tailored options for both the commercial units and the residential flats above.

Why choose Chubb Thomas for business premises cover in Dorset?

We’re a truly independent Dorset broker, working with landlords and business owners across Dorset and the surrounding areas. You’ll get straightforward advice, flexible options and insurance that suits the way your property is occupied.

Do I need employers’ liability insurance?

You must get employers’ liability (EL) insurance as soon as you become an employer – your policy must cover you for at least £5 million and come from an authorised insurer.

The definition of an employee is someone who has a contract with you. In the contract, their role, responsibilities and pay are clearly defined. The contract usually states the work hours, obligations, holiday allowance and other employee benefits. In other words, an employee works under your control and direction, and you are contractually obliged to provide them with regular work and pay them a salary. You still need employers ‘ liability insurance, even if your staff are part-time or temporary. If you are unsure, please contact our office and we can discuss in further detail.

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Trusted Dorset Insurance Broker

We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.