Commercial Fire Insurance

Our commercial all risks insurance is designed to provide bespoke property damage cover for commercial enterprises. Take control by choosing the specific cover that you require. TDC Insurance offers a range of options when it comes to property damage insurance. We also provide Business Interruption cover to support you though the financial impact of a loss.

Property insurance underwriting is based on location, construction, risk management, occupation, loss potential and loss history to provide competitive pricing and insurance protection.


Speak to one of our underwriters to consider the most appropriate insurance policy for your business

Fire only

This policy covers fire losses only and excludes natural catastrophe protection for loss arising from windstorm, hurricanes, earthquakes etc. Buying fire only insurance offers significant premium savings.

Fire and allied perils

This policy provides cover for fire and additional perils including hurricane, earthquake and windstorm.

Commercial all risks

This policy provides cover for fire and allied perils (hurricane, earthquake and windstorm) plus additional defined extensions and is designed to provide bespoke cover for businesses.


This policy is designed to provide bespoke cover to homeowners' associations; it covers fire and allied perils including hurricane and additional defined extensions.

Jewellers block

This cover is designed for jewellers; it provides fire and allied perils and additional extensions including contents cover.

Construction all risks

Provides cover against damage to buildings and/or damages to third parties while under construction.

Special features

  • Property damage cover designed for business customers
  • Commercial pricing to reflect the exposure
  • Discounts available for risk reduction features:
    • Hurricane shutters
    • Security systems
    • Fire protection features

Insurance products designed for business

Find out more - click to contact us

Savings are offered for good risk management and customer loyalty. We also offer discounts to business customers who take more than one section of the commercial all risks product.

Discount schemes:

  • Superior construction discounts
  • Buy more than one policy from us, then apply for a multi-policy discount