Commercial property claim
Need to make a commercial property claim? Find the information you are looking for here
What you'll need before you begin
Leaseholders must advise the Property Owner or Management Company first
Circumstances of loss including where and when along with contact details
Policy number and any other relevant details about your coverage
Any photographs, videos and supporting documentation that will assist insurers
Have a Lorega policy?
Please phone 0207 767 3072 to advise them of your claim
Have our mobile claims app?
Report your claim via the app. Like to learn more? Contact your Account Handler.
Notify us of your claim
Please select your branch from the dropdown list below, all online claims notifications will be reviewed within 48 hours. Please complete as much information as possible so that we can help process your claim. To assist with the detail, please utilise the downloadable claim form below.
Claims contact number
Out of hours number
Claims email address
Commercial Property Claims Form
Download our Property Claims Form, complete the details and send back to our dedicated claims team.
What happens next?
Insurers may appoint a loss adjuster to investigate the claim
Once fully assessed, insurers will determine coverage and any settlement
Insurers may require additional information to submitted
Frequently asked commercial property claims questions
Answers to questions that you might find useful. Can't find what you're looking for? Get in touch, our dedicated claims team will be happy to help.
Will my premium increase following a claim?
Possibly, however difficult to confirm as other claims under the policy will be considered in addition, market conditions will also be relevant and until the claim settles reserves are applied based on information available at the time.
How long will my claim take?
It is difficult to advise, and every claim is different. We will ensure we monitor your claim from report to ensure the claim is progressing. We will provide an update to you, when necessary.
What is a policy excess?
This is the portion of the claim you are responsible for paying. Please refer to your policy schedule to identify the applicable excess.
How long do I have to report a claim?
Generally, insurers require you to report all matters as soon as you are aware, or the incident happens. Please consult your policy Terms & Conditions to confirm any specific requirements. For example, water damage can turn to rot if left unattended.
Should I undertake any emergency works?
If any emergency works are required in order to make a property safe, these should be undertaken as soon as possible – however you should ensure photos are kept of the initial damage and full itemised records are kept of any works completed. Any works undertaken without Insurers consent are ‘at your own risk’ until Insurers have accepted the claim.
Important - If you are a leaseholder, You should discuss this with the Property Owner or Management Company to determine who is liable for the excess under the terms of your lease.
Will I have to pay VAT?
If you are registered for VAT, then the insurer will likely make a tax exclusive payment. Your accountant/accounts team will then recover the VAT element from HMRC on your VAT return.