Commercial property insurance

Be ready for the unexpected.

Whether you run a small shop, manage an office, or operate from a warehouse, we’ll help you find policies that suit your needs, covering everything from buildings and stock to equipment and business interruption.

Whether you run a small shop, manage an office, or operate from a warehouse, we’ll help you find policies that suit your needs, covering everything from buildings and stock to equipment and business interruption.

Running a business means dealing with the unexpected. From damage to fires and even theft, many risks could disrupt your operations. At Masbro, we provide access to commercial property insurance options that help keep your business safe and give you the confidence to face whatever comes your way.

With 40 years of experience in Gibraltar, we understand the local business landscape and are committed to offering you peace of mind by connecting you with the proper coverage.

What we offer

Commercial Property Insurance Options
Comprehensive Damage Cover
Your property is vulnerable to a range of risks, from fire and storms to accidental damage. We help you find policies that provide comprehensive damage cover, ensuring that your premises are prepared for the unexpected. Whether it’s a minor incident or a major catastrophe, these policies can cover the costs of repairs and replacements to minimise the impact on your business.
Theft and Vandalism Protection
Unfortunately, theft and vandalism can happen to any business. We offer access to insurance options that provide cover for damage or loss caused by break-ins or malicious acts. These policies can help you recover stolen goods or repair the damage done, so you can get back to business as quickly as possible.
Business Interruption Insurance
If an insured event disrupts your operations, such as a fire or flood, business interruption insurance ensures that your income isn’t lost during the downtime. These policies can cover lost income and additional expenses, such as relocation costs, so you can keep your business running while repairs are made.
Contents and Equipment Cover
Your stock, tools, and equipment are essential to your business, and losing them can be a significant setback. We help you find policies that protect your business’s vital assets from damage, theft, or loss. Whether it’s office furniture, IT equipment, or inventory, we can guide you to the right cover.

Why Choose Masbro?

Trusted Expertise

With four decades of experience, Masbro is a reliable insurance broker in Gibraltar. Our knowledgeable advisors provide expert advice to help you select the best insurance options.

Tailored Insurance Solutions

We believe that one size doesn’t fit all. That’s why we work with you to find the right coverage for your specific needs. Whether you’re insuring your home, car, or business, we’ll help you choose the best options for peace of mind.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Trusted Expertise

With four decades of experience, Masbro is a reliable insurance broker in Gibraltar. Our knowledgeable advisors provide expert advice to help you select the best insurance options.

Tailored Insurance Solutions

We believe that one size doesn’t fit all. That’s why we work with you to find the right coverage for your specific needs. Whether you’re insuring your home, car, or business, we’ll help you choose the best options for peace of mind.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Commonly Solved Questions

What does commercial property insurance cover?

We help businesses find policies that cover a range of risks, including damage from fire, storms, flooding, and accidents, as well as theft and vandalism. Additional cover options, such as business interruption insurance and contents insurance, can also be included to protect your business assets.

Is business interruption insurance included in commercial property insurance?

Business interruption insurance is an optional add-on to your commercial property insurance policy. This covers the financial loss you experience if your business is unable to operate due to an insured event, such as a fire or flood. This includes lost income, relocation expenses, and other costs incurred while your property is being repaired.

Do I need commercial property insurance if I rent my premises?

Yes, even if you rent your business space, you may need commercial property insurance to cover your stock, equipment, and other contents. While the building itself may be insured by the landlord, it’s essential to protect the assets you own inside the property, as well as the potential impact of business interruptions.

Does commercial property insurance cover flood damage?

Yes, many commercial property insurance policies include protection against flooding, ensuring that you can recover quickly from water damage to your property or its contents. We can help you find a policy that covers the costs of repairs and replacements to get your business up and running again.

What types of businesses can benefit from commercial property insurance?

Commercial property insurance is suitable for a wide range of businesses, including retail shops, offices, warehouses, restaurants, and more. If your business relies on a physical location to operate, we can help you find a policy tailored to your specific needs.

Can I bundle other types of insurance with commercial property insurance?

Yes, you can bundle commercial property insurance with other policies, such as public liability, employers' liability, or professional indemnity insurance, for comprehensive business coverage. We can help you find policies that provide both protection and savings.

How do I make a claim on my commercial property insurance?

If you need to make a claim, contact us as soon as possible with the details of the incident. You’ll need to provide your policy number, a description of the damage or loss, and any supporting evidence, such as photographs or reports. Our team will assist in working with the insurer to process your claim.

How is the value of my property contents assessed for insurance?

We recommend assessing the value of your business contents—such as stock, equipment, and furniture—based on the cost of replacing them with similar items. This ensures that you’re adequately covered in the event of loss or damage. Our advisors can help you determine the appropriate level of cover for your business.

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