Insurance of commercial property
The insurance is tailored to buildings used for commercial purposes.
Covers liability that the owner of the building may be subject to.
Covers loss of rent after damage, until new tenants are in place.
Fully comprehensive coverage covers government regulations up to NOK 10 million
What is commercial property insurance?
Commercial property insurance covers damage incidents such as fire, theft or natural damage. The insurance covers buildings with installed equipment that’s normal for the purpose of the building. This can be equipment such as kitchen fittings, pipes, heating appliances etc.
The insurance is suitable for large buildings such as offices and department stores, and smaller buildings such as club houses and business premises.
Product information
Commercial property insurance covers the following
| Fire | Standard | Fully comprehensive | |
|---|---|---|---|
Fire | |||
Natural damage | |||
Occupational injury insurance that applies to unpaid labour | |||
Theft and vandalism that’s caused by theft | |||
Snow weight and roof landslides | |||
Crushed/cracked building glass and damage to washbasins and toilets (sanitary porcelain) | |||
Failure of the building's construction | |||
Buildings with pipes and equipment | Selected sum insured | Selected sum insured | |
Tools, motor vehicles up to 750 kg and movable property that belongs to the building | NOK 300 000 | NOK 750 000 | |
Landscaping | NOK 500 000 | NOK 1 million | |
Loss of rent | 20% of the sum insured up to 36 months* | 30% of the sum insured up to 36 months* | |
Demolition and clearing | NOK 3 million* | NOK 5 million* | |
Price increase | Unlimited | Unlimited | |
General liability insurance for homeowners | NOK 10 million | NOK 10 million | |
Government regulations | NOK 5 million* | NOK 10 million* | |
Satellite dishes, internet and underfloor heating | Unlimited | Unlimited | |
Value increase | 15% of the sum insured in the agreement period | 15% of the sum insured in the agreement period | |
Water damage to rooms adjacent to and below when bath/laundry room gets humid | Unlimited | Unlimited | |
Artistic decoration | NOK 250 000* | ||
Machine damage | Unlimited | ||
Gas, water and other liquid | Unlimited |
*You can extend the sum insured
Commercial property insurance FAQ
Our non-life insurance products
General liability insurance
Provides cover for liability
Commercial tractor, mobile plant and equipment insurance
Covers commercial plant machinery and tractors
Vehicle insurance
Covers damage to company vehicles
Housing cooperative and co-ownership insurance
Covers unforeseen events in the housing association
Commercial boat insurance
Insures companies in tourism and work boats
Cyber insurance
Secures immediate help in the event of data breaches
Business interruption insurance
Covers damage that affects operations
Asset insurance
Covers damages or accidents related to assets
Crime insurance
Covers financial losses resulting from embezzlement
HGV insurance
Covers the company’s HGVs and covers road assistance
Commercial buildings insurance
Covers damage to one or more buildings you own
Projects and contract works insurance
Covers values related to building and construction sites
Commercial all risks insurance
Covers losses or damage to special equipment and objects
Commercial trailer insurance
Covers commercial van and HGV trailers
Transport insurance
Covers businesses that transport products or assets
Test plate insurance
Covers car dealers for test drives
Provider of the insurance
The insurance is provided by Fremtind Forsikring. In order to give you an offer, calculate the price and buy insurance, DNB will transfer your personal data to Fremtind. You can read more about how Fremtind processes personal data in Fremtind’s personal privacy statement.