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Commercial property insurance covers the cost of repairing or rebuilding your business premises, or replacing your stock or equipment. It covers you against risks such as:
There are two types of commercial property insurance:
Buildings insurance covers the cost of repairing or rebuilding your business premises if damaged or destroyed.
Buildings insurance is not required by law, but most mortgage providers will insist that you take out a policy before they give you a loan.
Even if you own your business premises outright you should still consider buildings insurance to cover you against the cost of repairs or rebuilding your property.
If you rent your business premises, buildings insurance is your landlord’s responsibility – but you may consider taking out contents insurance to protect your stock and equipment.
You should always insure your business premises against the cost of rebuilding the property, not against its sale price or current market value.
Most building insurance policies will not cover you for:
Contents insurance covers the cost of replacing your business’s stock or equipment if it is damaged or stolen.
Valuing your stock and equipment
If you are taking out contents insurance you should insure stock against its cost price, not its sale price. If there are times when you have more stock on your premises than usual, for example in the run-up to Christmas, you should make sure your insurance covers this.
There are two types of contents insurance policy for business equipment:
Additional cover
Business interruption insurance covers you if you cannot do business as normal as a result of an event that causes damage to your premises or equipment. It is usually offered as an extra when you buy buildings or contents insurance. It covers:
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