Commercial Solutions

The flexible solution for Commercial Property Owners
Backed by  Canopius, Commercial Solutions is our most flexible policy, offering cover for a wide range of commercial property.

Wide Tenant Acceptance
Our most flexible contract in terms of tenant acceptibility, not only just providing cover for Shops and Offices, but larger industrial risks and higher risk retail premises too.

Unoccupied Properties
This flexible policy also extends to cover unoccupied property, whether it be for sale or pending let, and full cover can be automatically reinstated once occupied without any need to cancel – you can check the extent of the cover provided on our comparison chart.

Grade 2 Listed Property
We can automatically accept Grade 2 and 2* Listed property (Grade B and C)

Short Period Flexible Options
We can now issue cover on a short period basis, from 1 to 11 months, on this contract. (Subject to £100 minimum – No Refund Available)

Key Features

  • All Risks Cover
  • Trace and Access cover (up to £ 25,000)
  • £5m Property Owners Liability Cover
  • Loss of Rent/Alternative Accommodation included up to 30% of Buildings SI
  • Emergency Access cover up to £5,000
  • Replacement Locks up to £10,000 per incident

Our levels of policy cover can be compared with our other Property Owners contracts “at a glance” by using our comparison chart available as a download at  the bottom of the page along with a copy of our Key Facts Document, and policy wording.

If you have any questions, do not hesitate to contact a member of our dedicated underwriting team.


Rob Pountney

Managing Director, Murton Alexander Insurance

"We have used the Property Protector scheme since it first launched in 2002. Being brokers like ourselves, the underwriting team understand the problems we face, and are always sympathetic to our needs. This attitude coupled with their background in Property Management means that they are a valued partner and we would have no hesitation in recommending them to any member who has property owning clients."

Grant Ellis

Property Protector Policyholder

"I have known the team at Property Protector for many years and when my broker recommended them to me as a carrier for my personal property owners business I had no hesitation in accepting. They act with great professionalism and the service standards are first class. As a customer I have no hesitation in recommending the Property Protector product."

Steve Allwright

Director, Firth & Scott Insurance Brokers

"Firth and Scott have been placing both residential and commercial property owners business on the Property Protector Scheme since 2002. During this period we have found the underwriting staff sympathetic and flexible in meeting our clients’ needs. The policy wording in respect of unoccupied premises has proven to be an extremely popular policy benefit with our clients. When called upon, we have found the claims handling service to be proactive, efficient and fair."

Nicolas Martin

Director, Guy Penn & Company

"Since commencing using Property Protector in 2005, we have been very impressed not just with the breadth of cover (which automatically includes Accidental Damage and Terrorism), and competitive pricing but also with the excellent service we receive which results in our obtaining quotations and cover confirmations within 24 hours of request in most cases"