We consider all tenancy types, trades and industries including:
– Manufacturing
– Warehouses
– Workshops
– Retail
– Offices
– Religious Buildings
– Vacant buildings
Our policies cater for multi tenanted commercial premises with a residential or vacant element and as well as the following they can also include terrorism cover.
– Buildings Cover – This is the full cost of rebuilding the property in the same form, style and condition as exactly before the loss. This sum must include an amount for professional fees and debris removal costs. If you are unsure of your building sum insured, then seeking help from a qualified surveyor would be advised.
– Contents Cover – Your contents must be insured for the full cost of replacement as new. This includes fixtures and fittings, carpets and curtains.
– Loss of Rent or Alternative Accommodation – If your tenants may have to move out of the insured home because of loss or damage covered under the policy. Our insurers will either pay the additional costs of alternative accommodation, substantially the same as your existing accommodation which you have to pay for whilst the property cannot be lived in. OR alternatively pay the rent that you’re unable to recover.
– Property Owners Liability – As a property owner this will cover your legal liability for accidental death, bodily injury, illness, or disease to members of the public.
– Commercial Legal Protection – Any business could be subject to legal prosecution at any time. Commercial legal protection offers cover against the costs in taking legal action against a third part or defending yourself against legal action in relation to your business, Legal cover protects you against events such as employee disputes, taxation proceeding, criminal prosecution defence and jury service.
– Accidental Damage – We all know accidents happen in life and that is why our insurers give you the option to add this valuable cover to your policy. The definition of Accidents in the home is classed as sudden and unexpected events which have caused visible damage. They are inevitable and have not been caused on purpose.
