Building Insurance

Protect your assets with insurance you can trust

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Why you need property insurance for your business

We appreciate owning commercial properties represents a significant investment which is why Islands want to leave you safe in the comfort of knowing your investment is adequately covered. 

If you own a commercial property across the Channel Islands or UK, Islands can ensure you have the appropriate insurance for your needs. There are a number of risks that property owners are faced with including fire damage, tenant injuries, burst pipes, theft and rental loss. 

Our professional team here at Islands would be delighted to assist you in placing a policy that suits your own personal needs.  

Covers & benefits provided

Our building insurance is extensive and designed with Channel Islanders in mind.

Property Portfolios

We can cover all your properties on one policy even if they are a mix of residential and commercial buildings.

Legal Liabilities

Property owners Liability cover of £5,000,000 included as standard with option to increase to £10,000,000.

24-Hour Helpline

We include free help and assistance, 24 hours a day, through our free 24-hour emergency helpline.

Standard Coverage

Your policy will generally cover you for a number of insured events, such as:

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Flood
  • Storm
  • Malicious Damage
  • Theft
  • Accidental Damage

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

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

Guernsey / Alderney