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COMMERCIAL PROPERTY INSURANCE

Commercial property insurance is obtained by property owners to safeguard their buildings from financial ruin when occupied by other businesses. This may include:


Buildings

Buildings insurance covers the cost of repairing or rebuilding your business premises if damaged or destroyed.


Contents

Contents insurance covers the cost of replacing your business’s stock or equipment if it is damaged or stolen.


Stock and equipment

If you are taking out contents insurance you should insure stock against its cost price, not its sale price.


Business Interruption (Loss of Profits)

Provide covers you if you cannot do business as normal as a result of an event that causes material damage to your premises or equipment. It is usually offered as an extra when you buy buildings or contents insurance. It covers:


Loss of Rent

If your property should become uninhabitable from an insurable event such as a fire, the insurance will pay out for the rent you are subsequently unable to collect, meaning you aren’t losing out financially.


Tenant’s Liability

Tenant’s liability insurance is designed for renters. It offers you protection if you accidentally damage your landlord’s fixtures, fittings or furniture, and could prevent you losing your security deposit when you move out. As with all insurance, tenants’ liability cover won’t payout for general wear and tear.


Common types of Insured Perils