Business
Commercial property insurance
Cover for your buildings, equipment and stock, with the option to protect the income you would lose after a claim.
What it covers
- Fire, smoke, explosion and lightning
- Storm, hail and water damage
- Theft and vandalism
- Loss of income while you recover, when added
- Breakdown of machinery and electrical equipment, when added
Who it's for
- Offices, shops and warehouses
- Manufacturers
- Landlords and property owners
- Tenants insuring their improvements and contents
Good to know
Replacement cost
Pays to replace with new, rather than the depreciated value.
Co-insurance
If you insure for less than the required value, claims may be reduced. We help you set the right amount.
Business interruption
Covers lost profit and ongoing costs after an insured loss stops your business.
Usually not covered
- Flood and earthquake, unless added
- Gradual deterioration, rust and wear
- Vacant buildings beyond the allowed period
- Poor maintenance
Related cover
Many clients combine policies so there are no gaps between them.
Every policy has its own terms, limits and exclusions, set by the insurer. We explain them in plain language before you buy.
Get a quote for property
Tell us what you need to protect. An advisor will reply within one business day.