Property Risk

Comprehensive Commercial Property Insurance Solutions for Peace of Mind.

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Protecting Your Property

Owning commercial property is the heartbeat of your business. It generates income, houses operations, and fuels growth. But unforeseen events like fire, floods, or tenant mishaps can disrupt stability and threaten your financial well-being. At Hepburns, we understand these risks and are your trusted partner in safeguarding your investment. We offer comprehensive insurance solutions tailored to your specific property needs, ensuring peace of mind and uninterrupted business continuity.

Comprehensive Coverage, Tailored Solutions:

Building & Contents

Secure your entire property, from the structure itself to your valuable equipment and furnishings. We go beyond the basics, covering outbuildings, driveways, and professional fees for rebuilding.

Loss of Rent & Alternative Accommodation

Don't let an unexpected event disrupt your income flow. Our coverage protects your rental income and, if necessary, helps find temporary accommodation for your tenants, minimising downtime and maintaining tenant satisfaction.

Property Owners Liability

Accidents happen. We shield you from third-party injury or property damage claims arising from incidents at your premises, providing legal and financial protection.

Optional Coverages

Enhance your protection with specialised solutions like Cyber Liability, Directors & Officers Liability, and Engineering Insurance for your lifts and machinery.

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More Than Policies, a Risk Management Partner

At Hepburns, we’re more than just an insurance broker. We’re your dedicated risk management partner, actively collaborating with you and insurers to mitigate potential losses and build long-term resilience. This proactive approach includes:

  • Risk Surveys and Assessments: Identifying potential hazards and vulnerabilities to tailor your coverage and recommend preventative measures.
  • Water Safety Solutions: Minimising the risk and costly damage associated with water leaks through leak detection, tracing technology, and specialized plumbing maintenance programs.
  • Smart Building Technology Integration: Embracing innovative solutions like fire monitoring systems, automated access controls, and weatherproofing upgrades to proactively manage risks and enhance your property’s safety.

Addressing Your Specific Needs

Beyond core protections, we offer a range of optional coverages to address your specific industry risks and business needs. These include:

Cyber Liability

Protect your business against data breaches, cyberattacks, and online security threats.

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Directors and Officers (D&O) Liability

Shield your leadership from potential lawsuits and financial losses.

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Engineering Insurance

Secure comprehensive coverage for specialised equipment, machinery, and lifts within your property.

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Secure Your Project's Future

Shield your vision from unforeseen threats with tailored insurance for every stage of your property development.

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Invest in Confidence, Choose Hepburns

Contact us today for a private discussion about your insurance needs.

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Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday – Friday 08:30-16:30 T: (01481) 738 080
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 738 080
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 515 151

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

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To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney