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Business premises

Commercial premises insurance for shops, offices, and workshops: protection designed to keep your doors open for business.

Insurance that protects your business premises. The right cover, at the right price.

If you run your business from commercial premises – an office, a shop, a workshop, or other commercial property – you need the right insurance to protect your bricks and mortar and keep doors open.

Incidents such as floods, fires, or break-ins, could have severe implications on the property and your income. You need to know you have the right insurance to protect against these risks, should the worst happen.

Working with a leading specialist insurer, we have negotiated high quality insurance at a competitive price for you.

Our comprehensive business premises insurance cover for contractors

We arrange commercial premises insurance with you in mind, that’s comprehensive, flexible and affordable

Get the right cover at the right price

Includes dedicated customer support from a team of experts at the end of the phone whenever you need them.

01138 687 203

The power behind your business

We're here to help you with all your business insurance needs – from electrical contractor insurance, personal accident and short-term income protection to van insurance and premises insurance – we've got you covered.

Unlike many direct insurers or comparison sites, we're here to provide expert advice. We'll explain the finer details of your business premise insurance cover, so you know exactly what you're protected for. This should provide you with peace of mind, leaving you to focus on looking after your customers.

Our support doesn't stop there. We're on-hand to guide you through the process of making changes to your cover – mid-term or at renewal, should your circumstances change. But, if you wish to do things yourself, our customer portal puts you in control. Download your documents, make adjustments and renew your policies online.

And, should the worst happen and you need to make a claim, we will help to make sure it's handled as quickly as possible.

Over 12,000 contractors can't be wrong. Don't take our word for it, our excellent Feefo reviews from contractors speak for themselves. That's why we have been awarded an exceptional customer service award – some of the five-star reviews have told us they had saved money, others have improved benefits and still saved money.*

* Cover may differ dependent upon insurer. As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

Frequently asked questions

If you operate your business from a shop, office, workshop, or any other commercial property, it is essential to look closely at commercial/business property insurance. This will protect you and help you get up and running more quickly if the building is affected by a serious incident like a fire or a flood.

In a word, yes. While buildings insurance will cover fixtures and fittings like curtains and blinds, skirting boards, and carpets, you'll need contents cover for things like furniture, workbenches, computers and so on – all of which your business probably relies on every day.

Industrial premises are properties where processes are undertaken that involve chemical, physical, electrical, or mechanical steps in manufacture, production, assembly, or wholesale distribution.

Domestic premises are those occupied as private dwellings. The term can also include yards, garages, outhouses, and gardens.

Commercial premises are those used for general business purposes. They are non-industrial premises like offices, shops, hotels and guest houses, public houses and wine bars, cafés, restaurants and takeaways, surgeries, and nursing homes.

FREE business insurance check

Our FREE no-obligation business insurance check will compare the cover, service and price you're currently getting against what we can provide you as a NICEIC member. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money. We also include electrical vehicle charging installation insurance as standard, at no extra cost.