Top 10 Trusted Building Insurance Valuation Services in the UK for Commercial Properties

Insurance valuation is more important than ever in 2025. With rising construction costs and inflation across the UK, getting the right cover for your commercial building is essential. An insurance valuation helps you know the true rebuilding cost of your property. Without one, you could face underinsurance, meaning you might not get enough money to rebuild after a disaster. This is a serious risk—according to RebuildCostASSESSMENT.com, over 80% of UK properties are underinsured.

This year, the cost of construction materials has risen by an average of 15%, according to the UK’s Construction Leadership Council. Labour costs are also up due to staff shortages. So, even if you valued your property a few years ago, it may now be inaccurate.

That’s why working with a trusted insurance valuation company matters. These firms give expert reports so your building insurance policy reflects real-world rebuilding costs. In this article, we’ll look at the top 10 trusted insurance valuation providers in the UK for commercial buildings.

1. RebuildCostASSESSMENT.com

RebuildCostASSESSMENT.com is a go-to platform for quick and accurate insurance valuation. They provide fixed-price services, starting at around £180. Their desktop-based approach means no property visits, but the results are still very reliable.

• Completed over 100,000 valuations

• Works with RICS-qualified surveyors

• Average turnaround: 2–3 days

• Common choice for offices, shops, and care homes

• Partners with major UK insurers

A key benefit is cost transparency. Even small business owners find this service accessible. In 2025, they are one of the few providers offering accurate digital assessments using updated cost indices. You can explore their full services through their Rebuild Cost Assessment platform, which is trusted across the UK for commercial building insurance needs.

2. Barrett Corp & Harrington (BCH)

BCH is well-respected in the insurance industry for property reinstatement valuations. They work closely with brokers and insurers. According to their client feedback, over 90% of valuations lead to an insurance adjustment, either up or down.

• National coverage with in-person assessments

• Works with complex commercial portfolios

• Staff are chartered building surveyors (RICS)

• Services include full site inspection and report

• Valuation cost starts at around £500, depending on size

BCH stands out for handling complicated or large-scale portfolios. They're especially good with older commercial buildings where accurate replacement costs are harder to estimate.

3. Savills Building and Project Consultancy

Savills is a premium option and widely known across the property market. Their valuation division uses the latest BCIS (Building Cost Information Service) data to support valuations.

• BCIS compliance ensures cost accuracy

• Works with large investors and pension funds

• Detailed risk assessment included

• Offers revaluation programs for portfolios

• Typically used for properties over £2 million

In recent years, Savills has warned about the “indexation gap” in the insurance industry—many buildings valued five years ago are now underinsured by 25–40% due to cost increases. Their reports aim to fix this.

4. JLL (Jones Lang LaSalle) UK

JLL provides both market and reinstatement valuations. For insurance purposes, they deliver a full breakdown of costs using construction data, local rates, and specialist input.

• One of the largest global property firms

• Ideal for logistics hubs, tech parks, and modern office blocks

• Reports are insurer-friendly and audit-ready

• Recommends annual review for high-risk assets

• Also provides energy and risk compliance advice

JLL is known for serving major real estate funds, developers, and REITs. They also assist with ESG (environmental, social, governance) standards, which many insurers are now asking about in 2025.

5. Gerald Eve LLP

Gerald Eve provides reinstatement cost assessments with strong experience in commercial, leisure, and heritage properties.

• Performs valuations for the National Trust and councils

• Well-suited for city-centre and historic buildings

• Risk-led reports that include fire protection, access, and asbestos checks

• Helps manage multi-asset portfolios

• Provides post-claim support in disputes

Because of their depth of experience, Gerald Eve is often called in to revalue properties after claims have been disputed due to underinsurance. Their work is seen as highly defensible in legal and financial cases.

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6. Stiles Harold Williams (SHW)

SHW provides regional expertise, especially in the South East of England. They are popular with SMEs and commercial landlords managing small property portfolios.

• Typical reports cost around £300–£600

• Fast response times, often within 5 working days

• Strong coverage in Sussex, Surrey, London

• RICS-qualified building surveyors

• Works with retail parks, warehouses, and offices

They also educate their clients on policy wording, which can prevent insurers from denying claims. In 2025, that’s more valuable than ever due to tighter terms from some underwriters.

7. CBRE UK

CBRE is a global leader that offers valuation and advisory services across every property sector. They handle some of the UK’s biggest commercial assets.

• Offers AI-driven building cost modelling

• Suitable for insurance audits and reporting

• Handles large real estate portfolios

• Offices in London, Manchester, Birmingham, and more

• Known for best-in-class data and analytics

CBRE’s reports are often used in board-level decisions, especially for companies reporting to shareholders or regulators. Their valuations also consider future construction cost trends.

8. Carter Jonas

Carter Jonas brings over 165 years of experience in UK property. They provide comprehensive building reinstatement assessments that are practical and easy to understand.

• Offers one-off and ongoing revaluation services

• Especially strong in industrial estates and retail outlets

• Uses local cost benchmarking

• Rebuild cost reflects demolition and debris removal

• Good option for landlords and letting agents

They are especially helpful for landlords who insure multiple buildings and want to make sure they aren’t under or overpaying on premiums. The firm is RICS-accredited.

9. Fisher German

Fisher German operates across commercial, rural, and development sectors. They work with institutional investors and rural estate owners needing insurance valuations for complex sites.

• Strong in Midlands and Northern England

• Experienced in utility and energy infrastructure buildings

• Offers drone-assisted inspections

• Reports updated to 2025 price indices

• Flexible payment options for bulk instructions

Their knowledge of agricultural and hybrid commercial sites is hard to match, which makes them valuable to those in sectors like warehousing, energy, or mixed-use properties.

10. Vail Williams LLP

Vail Williams is known for their building consultancy services with a special focus on valuations. They’re a good choice for growing businesses that need reliable data for insurance policies.

• Surveys carried out by RICS-accredited professionals

• Offers lifecycle-based revaluation planning

• Clear layout and documentation for insurers

• Offices across Southampton, Reading, Gatwick, and Birmingham

• Supports businesses during renewal periods

In 2025, Vail Williams is gaining popularity for helping businesses create long-term valuation strategies. This prevents underinsurance over time due to gradual cost increases.

Conclusion

Insurance valuation is no longer a “nice to have”—it’s a business essential. With more than 80% of UK commercial buildings underinsured according to recent studies, getting a trusted provider is critical. Rising construction and labour costs, stricter insurance policies, and climate-related damage risks have made accurate valuation more urgent in 2025.

Choosing a top provider from this list means your building will be valued properly, and your insurance policy will be more reliable. That way, you can avoid problems during a claim, reduce legal risk, and make sure your business stays protected.

Always update your valuation every 3–5 years, or sooner if your building is altered, extended, or located in a high-risk area. The companies listed above offer both one-time and ongoing insurance valuation support, making it easier to stay up to date.

FAQs

Why do I need an insurance valuation in 2025?
Because of inflation, material shortages, and construction delays, rebuilding costs have changed. Without an updated insurance valuation, your building might be underinsured.

How much does a commercial insurance valuation cost in the UK?
Costs range from £180 to £1,000+ depending on property size, location, and provider. Online-only options are cheaper, but larger or complex properties usually need in-person assessments.

What is RICS compliance, and why is it important?
RICS-compliant reports follow strict standards. Most UK insurers prefer or require valuations done by RICS-qualified surveyors to accept the report during claims.

How long does it take to get a valuation report?
Simple online assessments can be done in 48–72 hours, while full on-site reports take 5–10 working days depending on provider availability.

What happens if I don’t update my insurance valuation?
You risk underinsurance, meaning your insurer might not pay the full cost to rebuild. This can lead to large financial losses after a fire, flood, or structural damage.