Your premises, equipment, stock and other business assets can represent a significant investment. If they are damaged or lost, the impact can go far beyond the cost of repair or replacement. We help businesses explore insurance arrangements designed to protect their property and support them if an insured event interrupts trading.
Whether you own or lease your premises, operate from a workshop, manage a warehouse or run a business with valuable equipment and stock, your physical assets play an important part in day-to-day operations.
Fire, flood, escape of water, theft, accidental damage and other unexpected events can cause damage, disruption and expense. The right insurance programme starts with understanding what you need to protect and how your business would be affected if something went wrong.
There is no one-size-fits-all solution. The appropriate cover will depend on your property, the way you operate, the sums insured and the policy terms available.
We take time to understand your premises, contents, equipment, stock, income and operating requirements, helping you consider the types of cover that may be relevant to your business.
Commercial property insurance can be arranged around different assets and risks. These are some of the areas we can discuss when reviewing your requirements.
Cover for business premises such as offices, shops, workshops, warehouses and other commercial buildings. This may be relevant whether you own the property or have responsibility for insuring it under a lease or other agreement.
Protecting the items your business uses to operate, from office furniture and computers to tools, machinery, plant and specialist equipment, depending on the policy arranged.
If your business holds stock, raw materials or finished goods, damage or loss could affect both your balance sheet and your ability to fulfil orders. Stock cover may be included or arranged as part of a wider property policy.
If an insured event disrupts your business, the financial consequences can continue after the physical damage has happened. Business Interruption cover can help protect against specified loss of income or increased costs, as defined by the policy.
For businesses where shopfronts, windows, internal glass, signs or other fixed features are important, specific cover may be available either within a property policy or as an additional section.
Some businesses have specialist equipment or particular exposures that need a closer look. Depending on your circumstances, additional sections or separate policies may be worth considering.
Imagine a fire, flood or other insured event makes your premises unusable. You may still have wages, rent, finance payments and supplier commitments to meet, while income is reduced or temporarily stops.
Business Interruption insurance is intended to help with specified financial losses following insured damage, subject to the policy wording, cover selected, limits, exclusions and any applicable waiting periods or time excesses.
When considering Business Interruption cover, it is important to think about how long recovery could realistically take, not just how quickly physical repairs might be completed.
We work with businesses across a range of sectors. The right property and interruption arrangements depend on the assets you have and how your business operates.
Property and Business Interruption insurance needs to be based on realistic values and a clear understanding of your operations. Underinsurance, changes to your business or an indemnity period that is too short can create problems when you need to rely on your policy. We can help you review the information that may be needed when arranging or renewing cover.
With over 40 years of commercial insurance experience, we take time to understand the businesses we work with. We believe in personal service, clear conversations and being available beyond the renewal date.
The covers described on this page are general examples of insurance that may be available to businesses. Not every cover is available to every trade or business, and some may require separate policies or extensions. The actual cover provided will depend on the insurer, underwriting acceptance and the policy wording, including its terms, conditions, limits, excesses and exclusions. Business Interruption cover is commonly linked to insured damage and does not automatically cover every cause of interruption. Please speak to us about your circumstances and the cover available to you.
Whether you need to insure a commercial property, protect your equipment and stock or review your Business Interruption arrangements, we can start with a conversation about how your business works.
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