Protecting the physical foundation of your business.
Comprehensive cover for offices, shops, and retail spaces against the unexpected.
Your business premises are the hub of your operations. Whether you operate from a high street retail unit, a busy open-plan office, or an industrial warehouse, damage to the physical structure can bring your business to a grinding halt.
Commercial Property Insurance is designed to protect the building itself against major risks such as fire, flooding, storms, and vandalism. If you own the premises, Buildings insurance is essential to cover the rebuilding costs.
If you lease your space, your lease agreement likely dictates exactly what you are responsible for insuring often including fixtures, fittings, and glass shopfronts. We help you navigate these lease obligations to ensure you aren’t left exposed.
Securing Your Vital Business Assets
It isn’t just the outside structure that matters; what’s inside is often the lifeblood of your company. Imagine the impact of a break-in where high-value IT equipment is stolen, or a burst pipe destroying tens of thousands of pounds worth of stock ready for dispatch.
Commercial Contents and Stock insurance is crucial for protecting machinery, plant, electronic equipment, and raw materials or finished goods. We work with you to accurately calculate the total value at risk, ensuring that if you need to replace everything following a total loss, your policy pay-out is sufficient to cover the true cost of restocking and refitting.
Ensuring Survival with Business Interruption
Perhaps the most critical, yet often overlooked, element of commercial cover is Business Interruption insurance. If your premises burn down, your buildings policy will rebuild it, and your contents policy will replace the stock. But who pays the staff wages, rent, rates, and utilities while you are unable to trade for six or twelve months?
Business Interruption cover is designed to replace your lost gross profit and cover your fixed overheads during the recovery period. It is the difference between a temporary setback and permanent closure, ensuring your business survives long enough to open its doors again.
