Commercial Buildings and Contents
Any type of business, be it a sole trader, small to medium enterprise or large business requires adequate cover for all its physical assets. This would include all Buildings as well as all Contents comprising furniture, equipment, machinery, stocks and other general content.
Such an insurance policy would typically include cover on an ‘all-risks’ basis, including theft, fire, lightning, malicious acts, flood, storm, escape of water, earthquake and other similar perils.
The sum insured for the buildings section must always be the re-building cost and not the actual market value.
Contents are commonly covered either for ‘cost of repair/replacement basis’ or else on a ‘reinstatement basis’.
Machinery is normally insured on a new for old basis – this means that the sum insured would have to reflect the replacement cost of new items.
Please fill in the following form to make a
Commercial Buildings and Contents Claim:
Please fill in the following form to ask for a
Commercial Buildings and Contents Quote:
Frequently Asked Questions
Will you need to visit my premises?
Most Insurers will not ask to visit your premises prior to issuing your policy. There might be specific risks for which an Insurer would want to carry out a survey – we would normally be accompanying the assessor / surveyor. Costs of such survey are borne by the Insurer involved.
Will I be covered for accidental damage?
The majority of ‘Commercial Buildings and Contents’ Insurance Policies do not cover accidental damage as part of the standard cover, however cover can be extended to include accidental damage to the items, also including glass.
Am I required to inform you of any changes to my business?
It is very important to get in touch with us if you make any changes to your business which might affect your insurance policy – we will clarify whether the said changes need to be notified to your Insurers or otherwise, and whether the changes will affect your insurance cover and/or insurance premium.
If required, will I be able to include any additional property?
Yes – any additional property related to your business can be included under your existing insurance policy.
Partners with
