Commercial Insurance Plymouth – Protecting Your Business and Property with Mortgage HQ
Owning or managing a commercial property means you’ve got a lot riding on your shoulders—buildings, assets, tenants, employees, and everything in between. That’s why having the right commercial insurance in place is so important. At Mortgage HQ, we help businesses in Plymouth find reliable, tailored protection for their properties and operations.
What is Commercial Insurance?
Commercial insurance is a broad term that covers a variety of policies designed to protect business premises and everything associated with them. Whether you own an office block, a shop, a warehouse, or a portfolio of rental units, there are specific types of insurance you may need to have in place.
These often include:
🏢 Commercial Buildings Insurance
Covers damage to the structure of your commercial property caused by fire, flood, storm, vandalism, or accidental damage. It typically includes:
Walls, roofs, and floors
Fixtures and fittings
External structures like signage, gates, and fences
🛠️ Landlord Insurance (Commercial Let)
If you’re renting out your building, this type of policy protects against tenant-related risks, including loss of rent, legal disputes, and liability cover.
🔐 Contents Insurance
Protects everything inside your premises—equipment, office furniture, stock, tools, and technology—from risks like theft, fire, or water damage.
🧾 Public Liability Insurance
Essential if you have customers, clients, or visitors on your premises. It protects you if someone is injured or their property is damaged while on your site.
👨🔧 Employers’ Liability Insurance
A legal requirement if you have staff. It covers your business if an employee is injured or becomes ill due to their work.
🧯 Business Interruption Insurance
Provides financial support if your business is forced to close temporarily due to an insured event—helping you cover lost income and ongoing costs.
Is Commercial Insurance Required by Law?
Some types of commercial insurance are legally required, such as employers’ liability cover if you have staff. Others, like buildings insurance, are often mandatory if you have a mortgage on your property. Even if cover isn’t required by law, having the right protection in place is crucial to shield your investment and avoid costly disruptions.
Why Choose Mortgage HQ for Commercial Insurance in Plymouth?
At Mortgage HQ, we don’t just help homeowners. We work with landlords, investors, and business owners across Plymouth to find practical insurance solutions for commercial properties.
✅ Tailored Advice
We’ll take the time to understand your property, business setup, and any specific risks you face, then find cover that suits your needs—not someone else’s.
✅ Access to Trusted UK Insurers
We work with a panel of reputable commercial insurance providers, offering flexible and affordable cover that ticks the right boxes.
✅ Joined-Up Thinking
If we’re already helping you with your commercial mortgage, it makes sense to sort your insurance at the same time. We’ll handle both with a joined-up, hassle-free approach.
✅ Local and Reliable
As a Plymouth-based broker, we offer friendly, no-nonsense support. We’re always here when you need to make a change, ask a question, or make a claim.
Get Expert Commercial Insurance Advice in Plymouth
Don’t leave your business exposed. Whether you’re buying, expanding, or reviewing your cover, let Mortgage HQ help you find the right commercial insurance in Plymouth, South Hams and Wider UK.
If you want to contact us about commercial insurance please use the contact form at the bottom of the page.
Let’s make sure your property—and everything in it—is protected, so you can get on with running your business.