Commercial buildings and contents insurance

Commercial buildings and contents insurance is a type of policy designed to offer comprehensive protection for both the physical structure of a business property and the items contained within it.

The insurance covers the physical structure, including permanent fixtures such as walls, roofs, floors, windows, and doors. It encompasses protection against a variety of risks, including fire, floods, vandalism, and other forms of damage that could require extensive repairs or a complete rebuild. This ensures that in the event of a major disaster, the building can be restored to its original state without a significant financial burden. 

The insurance further covers items which are movable within the building, including furniture, equipment, stock, and personal belongings. If these items are stolen, damaged, or destroyed, the policy provides for their repair or replacement. Companies often rely heavily on their equipment and stock to operate at their best professional, therefore this insurance actively works to safeguard against disruptions caused by theft or accidental damage.

Why do I need commercial buildings and contents insurance?

Commercial buildings and contents insurance can prove vital for business owners. It offers peace of mind knowing that both their property and their valuable assets are protected against unforeseen events. Tailored to meet the unique needs of each business, this insurance can be customised in terms of coverage limits and specific risks, ensuring tailored protection. The right policy will cover the cost of repairs and replacements, and also help to maintain the running of your business.

This form of insurance is essential for businesses that operate from a dedicated commercial premises as it mitigates the financial risks associated with unexpected damage or loss.