July 30, 2026
With increasing numbers of properties across the UK standing empty
- 78 Bridge St, Ramsbottom, Bury BL0 9AG
Established in 1926, Munro-Greenhalgh has over 100 years’ experience advising commercial landlords, property investors and developers throughout the UK. As the British Insurance Awards 2026 Small Broker of the Year, we provide independent advice tailored to each property owner’s individual requirements.
We have the experience and expertise to assist with:
With our Insurer partners we provide invaluable help and advice to help you identify and manage your risks.
From the various types of business insurance we can arrange (see here) the typical policies and covers we can arrange include: –
Commercial Property Owners Insurance protects landlords and property investors against the financial risks of owning commercial buildings. It can include cover for buildings, loss of rent, property owners’ liability, employers’ liability, terrorism and legal expenses depending on your individual requirements.
Whilst Commercial Property Owners Insurance is not generally a legal requirement, most mortgage lenders insist that buildings insurance is in place. Property Owners’ Liability Insurance is also strongly recommended to protect you if somebody is injured or their property is damaged because of your premises.
Policies can typically include:
Yes. If your commercial premises become unusable following insured damage such as fire, flood or storm, most policies can cover the rental income you lose whilst repairs are carried out.
Property Owners’ Liability Insurance protects you if a member of the public suffers injury or damage to their property due to your ownership or maintenance of the premises.
Examples include:
Yes.
Many landlords choose a portfolio policy which allows multiple commercial and residential properties to be insured under one policy, often simplifying administration and potentially reducing overall premiums.
Yes.
Specialist insurers can provide cover for unoccupied commercial properties. However, additional security requirements and inspection conditions often apply.
Most policies include flood cover unless specifically excluded. Properties in high flood risk areas may require specialist insurers or different policy terms.
Many insurers include subsidence as standard, although cover may be subject to increased excesses or underwriting if previous movement has occurred.
Yes.
We regularly arrange insurance for:
The building should normally be insured for its full rebuilding cost rather than its market value.
This should include:
Accidental or malicious damage by tenants may be available depending upon the insurer and policy wording. Deliberate damage, wear and tear and poor maintenance are normally excluded.
Insurers need to know if the occupancy changes.
For example, changing from:
could significantly affect the risk and should always be disclosed.
Yes.
We regularly arrange insurance for properties containing both commercial and residential accommodation, such as shops with flats above.
We usually require:
Commercial Property Owners Insurance is rarely “one size fits all.”
As independent insurance brokers we compare specialist insurers, explain policy differences, identify gaps in cover and support you throughout any claim.
We find that many commercial properties are incorrectly insured for their market value rather than the cost of rebuilding them.
This could leave landlords significantly underinsured if they need to rebuild following a major fire.
We typically recommend that buildings reinstatement valuations are reviewed once every 3 years. This can be easily achieved using facilities such as rebuildcostassessment.com
If your commercial property becomes unoccupied you need to let your Insurer know. They may require: –
Failure to comply may affect cover.
If your tenant changes from:
you should always tell your insurer.
Insurance isn’t a maintenance contract.
Gradual deterioration, wear & tear and poor maintenance are normally excluded.
As independent Insurance Brokers we work with the our normal Insurer partners and specialist insurers to recommend policies that are specially designed for you and a competitive price.
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With increasing numbers of properties across the UK standing empty
Munro Greenhalgh is delighted to have been named Small Broker of the Year at the British Insurance Awards 2026. As an independent commercial insurance broker based in Ramsbottom, Bury, we advise businesses and individuals throughout Greater Manchester, Lancashire and across the UK. Winning this national award recognises our commitment to exceptional customer service, expert insurance advice and outstanding claims support. Whether arranging commercial insurance, liability insurance, professional indemnity, cyber insurance or high-value home insurance, our focus has always been on delivering long-term value rather than simply selling policies.
Thank you for supporting Munro-Greenhalgh Ltd at our Centenary Gala Dinner on 8 May 2026 at The Village Hotel, Bury, celebrating 100 years in business.
We are delighted (and, yes, well chuffed) to announce that Munro-Greenhalgh
With increasing numbers of properties across the UK standing empty – whether due to probate delays, renovation projects, or a change in circumstances. Many are
Munro Greenhalgh is delighted to have been named Small Broker of the Year at the British Insurance Awards 2026. As an independent commercial insurance broker based in Ramsbottom, Bury, we advise businesses and individuals throughout Greater Manchester, Lancashire and across the UK. Winning this national award recognises our commitment to exceptional customer service, expert insurance advice and outstanding claims support. Whether arranging commercial insurance, liability insurance, professional indemnity, cyber insurance or high-value home insurance, our focus has always been on delivering long-term value rather than simply selling policies.
Thank you for supporting Munro-Greenhalgh Ltd at our Centenary Gala Dinner on 8 May 2026 at The Village Hotel, Bury, celebrating 100 years in business.
We are delighted (and, yes, well chuffed) to announce that Munro-Greenhalgh Insurance Brokers has been named a finalist in the Small Broker of the Year category
