Building
The structure, common areas and owner-supplied fixtures.
Business Insurance
Office building insurance for owners.
You insure the structure, the common areas and the rent. The tenants insure everything they brought with them.
Owning an office building is a property and liability business. Your policy covers the structure, the common areas where visitors and tenants circulate, and the rental income that services the mortgage — while each tenant covers their own contents, fit-out and operations.
Common areas, rents and building systems
Lobbies, lifts, stairwells, car parks and landscaping are where owner liability claims arise, since they remain under your control rather than a tenant's. Maintenance and inspection records matter directly to those claims.
Loss of rents cover replaces income while the building cannot be occupied, and equipment breakdown covers the HVAC, lifts and electrical plant that a property policy treats as maintenance rather than a peril.
What it covers
The parts of a office building insurance policy
Common area liability
Injury in lobbies, lifts, stairwells and car parks.
Loss of rents
Rental income while the building cannot be occupied.
Equipment breakdown
HVAC, lifts and electrical plant failing mechanically.
Working with us
What we do differently
We are an independent agency, so we place your office building insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Require tenants to carry liability and name you, then collect certificates
- Keep lift and HVAC maintenance records — they matter to claims and terms
- Set loss of rents against a realistic re-letting period, not just repairs
Common questions
Office Building Insurance, answered
Do my tenants need their own insurance?
Yes, and the lease should require it. You insure the building and common areas; tenants insure their contents, fit-out and their own liability. Collecting certificates annually is worth the administration.
Is the lift covered if it breaks down?
Mechanical failure is equipment breakdown rather than a standard property peril. For a building with lifts and central HVAC it is worth adding.
What is loss of rents cover?
It replaces rental income while the building is unusable after a covered loss. Set the period realistically — it should reflect repair time plus re-letting, not repairs alone.
Related cover
Often arranged alongside this
Commercial Real Estate Insurance
One building is a policy. Several buildings is a programme, and the difference shows up in how a large loss is paid.
Read moreLessors Risk Insurance
You own the building, someone else runs the business inside it. What your tenants do changes your risk more than the building does.
Read moreCommercial Property Insurance
Property cover repairs the building and replaces the contents. Business interruption replaces what you could not earn while that happened — and it is usually the larger number.
Read moreReady for a office building insurance quote?
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