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Insurance for Owners of Commercial Property Portfolios.
Commercial property buildings, from office blocks to light industrial warehouses to shopping centres, are exposed to a host of risks that may result in property damage and often a loss of rental income as a consequence.
By purchasing a commercial property owners combined insurance policy through a specialist real estate insurance broker, your property will be protected against the insurable risks.
Property owners combined policies are designed to meet the insurance requirements of landlords who wish to ensure that their properties are properly protected. Heads of cover typically include:
The following optional covers are typically also available:
The policies typically provide a broad level of property damage, business interruption and property owners liability cover as standard, either through a defined perils wording or an "All Risks" wording. Whichever type of wording is used, the policy will typically provide cover for damage caused by the following perils:
In certain circumstances some standard perils may be excluded, restricted, subject to conditions or reduced limits including:
Property owners' policies also typically include a large array of extensions (extra cover) that have been added to these policies over the years by the various insurers participating in this specialist area of insurance.