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Insurance of commercial property

The insurance is tailored to buildings used for commercial purposes.

Image of woman opening her shop

  • 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 buildings insurance covers damage incidents such as fire, theft or natural damage. The insurance covers buildings with fixed equipment which is 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 (PDF, Norwegian)

Commercial property insurance covers the following

FireStandardFully comprehensive

Fire

Have been selectedHave been selectedHave been selected

Natural damage

Have been selectedHave been selectedHave been selected

Occupational injury insurance that applies to unpaid labour

Have been selectedHave been selectedHave been selected

Theft and vandalism that’s caused by theft

Have been selectedHave been selected

Snow weight and roof landslides

Have been selectedHave been selected

Crushed/cracked building glass and damage to washbasins and toilets (sanitary porcelain)

Have been selectedHave been selected

Failure of the building's construction

Have been selectedHave been selected

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

Terms and conditions non-life insurance

See terms and conditions

Commercial property insurance FAQ

More questions and answers

Our non-life insurance products

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.