Business Buildings and Contents Insurance

Commercial Building Insurance for Small Businesses

Just like you have insurance for your house and contents, any property where your business operates needs to be protected with commercial buildings insurance and contents insurance.

Commercial buildings and contents insurance will help you get things back to normal if your business premises, contents or stock get damaged, lost or stolen.

Key features and benefits

• Single, flexible policy - tailor made to suit your requirements.
• Expert advice to explain your cover.
• No mid-term amendment fees should you need to make a change.
• On-hand support throughout the life of your policy via your dedicated adviser.
• Receive a lump sum to replace your equipment.
• Access to a 24-hour legal helpline.
• Flexible payment options including direct debit.
• Access to documents anytime, anywhere via our secure portal.

What is Business Buildings and Contents Cover?

Buildings cover can protect your business property against damage and contents insurance can cover the costs to replace or repair items in your business premises.

What's Insured?

Please note this list is not exhaustive, check your policy wording for full details.

Buildings insurance – protection for your commercial building in the event of:

• Fire, lightning, explosion or earthquake.
• Riot or civil disturbance or malicious acts.
• Storm damage.
• Subsidence.
• Flood.
• Escape of water.
• Accidental damage.

Buildings insurance can include:

• Cover for break-ins and criminal damage including replacement of broken glass, plus any boarding-up costs.
• Cover for reasonable costs incurred in locating the source of damage resulting from escape of water or oil as a result of an insured event.
• Replacement locks if keys (including digital cards) are stolen – (please refer to your policy wording for limits that may apply).
• Protection against loss of metered water – (please refer to your policy wording for limits that may apply).
• Repair and rebuild costs to the building.

Contents insurance – even if you don’t own the building, you should consider protecting the contents within it. These would include fixtures, fittings, furnishings and stock. If you run a high street shop, you may want to protect your glass counters for example.

Contents insurance can include:

• Cover for personal items belonging to employees or visitors.
• Replacement of broken glass.
• Cover for any damaged contents in windows, displays and sanitaryware.
• Protection for trade stock.

Electronic equipment insurance – technology is likely to play a vital role in the running of your business. If you rely on equipment like laptops and cash registers, make sure you have electronic equipment cover to offer you peace of mind.

Electronic equipment insurance can include:

• Cover for portable items if taken off the business premises.
• Protection against unauthorised use of your mobile phone up to £250 (subject to two claims in any period of insurance).
• Cover for the cost of recreating your business records, computer records, plans and designs, up to £10,000.

What is Not Covered?

• Acts of terrorism.
• Damage caused by general wear and tear.
• Losses when the property is left unoccupied for more than 30 days.

Public liability insurance

Buildings insurance offers protection for your building, but it wouldn't cover you if a member of the public is injured whilst on your premises. Public liability insurance cover will help protect your business reputation and the cost of legal claims that people may make against you.

As a broker, we access a panel of insurers, and therefore the limits and amounts included in each policy may differ per provider. Please refer to your policy wording if you need to clarify your details.