Infinity Protect Insurance Lebanon Since 2016

Commercial Property Insurance Lebanon

Cover for the building you trade from, the stock inside it, and the income you lose if you cannot open. For shops, offices, warehouses and light industrial units across Lebanon.

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Commercial property insurance in Lebanon — offices, shops and warehouses

What’s Covered

Buildings
Fire, explosion, storm, impact and water damage to the structure you own or are responsible for.
Contents and stock
Fixtures, equipment and trading stock, valued on what replacing them would actually cost.
Business interruption
Lost gross profit while you cannot trade, plus the cost of working from somewhere else.
Glass and signage
Shopfronts and external signs, which are exposed and frequently damaged.

Options Worth Asking About

Increased cost of working
Paying more than usual to keep trading after a loss
Generator and inverter cover
Often the most valuable equipment on a Lebanese site
Deterioration of stock
For chilled or frozen goods after a power failure
Tenant improvements
Fit-out you paid for in a property you do not own

Get a commercial property quote

Tell us what you occupy, roughly its size, and what you keep inside. We will come back with options and flag the conditions attached.

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If you suffer a loss
  1. Make the premises safe and prevent further damage — that is a policy condition.
  2. Photograph everything before clearing up, and keep damaged stock if you can.
  3. Call us. We notify the insurer, meet the loss adjuster with you, and push the claim through.

Why Arrange Commercial Property Through Us

Sums insured set on replacement cost

Under-insure the building or the stock and the insurer can apply average, cutting even a small claim proportionally. We work the figures through with you rather than accepting a round number.

Business interruption sized on real trading

The indemnity period matters more than the limit. If it takes nine months to rebuild and you bought six, the last three are yours. We size it against how long recovery would actually take.

Warranties checked before you sign

Property policies carry conditions — alarms set, waste cleared, electrical certification. Breach one and the claim fails. We tell you what you are agreeing to maintain.

One advisor through the claim

Loss adjusters, contractors and the insurer all in one conversation, handled by someone who already knows your file.

Commercial Property in Lebanon — Common Questions

Does this cover the building if I rent rather than own?

Your landlord insures the structure. What is yours to insure is the fit-out you paid for, your contents and stock, and your liability. Many lease agreements also make the tenant responsible for glass. Send us the lease and we will tell you which side each risk sits on.

What is business interruption and do I need it?

It replaces the gross profit you lose while you cannot trade, and pays the extra costs of operating temporarily from somewhere else. For most businesses it is the more valuable half of the policy — the building can be rebuilt, but the customers you lose in the meantime may not come back.

Is earthquake damage covered?

Not automatically. It is usually an extension you have to request, and some insurers price it separately or restrict it. Given the seismic risk in Lebanon it is worth asking about explicitly rather than assuming a standard policy includes it.

Speak to an Advisor About Commercial Property

Reach our Beirut office directly. Advice in Arabic, English or French, and no obligation to proceed.

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Phone
+961 81 599 659
Email
Info@ipi-brokers.com
Instagram
@ip.insurance.lb
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