The physical assets the business runs on — and, where written in, the income lost while they are out of action.
Structures you own, and fit-out you paid for in leased space.
Equipment, inventory and furnishings at insured locations.
Lost income and continuing costs while covered damage is repaired, where written in.
Mechanical and electrical failure, where added by endorsement.
Customer goods and borrowed equipment in your care, where written in.
Including forced entry and damage done in the attempt.
If the business has an address, stock or equipment, something on this list applies.
Landlords require proof of cover before keys change hands — and often specify the fit-out cover too.
Lenders require property cover on anything financed, named on the policy.
Stock, fit-out and footfall concentrated in one address.
Machinery is the business — breakdown cover matters as much as fire.
A modest office still holds six figures of kit and improvements.
The day you sign a commercial lease, homeowner cover stops helping.
A business owners package bundles this line with general liability, usually cheaper than buying the two separately — we quote it both ways and show you the difference.
Not by default — both normally need separate policies or endorsements. If either is a real exposure at your address, say so upfront.
Lost income and continuing costs while covered damage is repaired — written inside a property policy rather than bought alone, and often the difference between reopening and not.
Replacement cost pays what it takes to buy new. Actual cash value deducts depreciation. The premium difference is usually smaller than the payout difference.
Carriers set the premium, not us. Pricing runs on location, construction, protection, values at risk and claims history. We shop your risk to A-rated markets — quotes are free, no obligation, and a licensed specialist reviews your request.
Only where written in — tools and kit that travel need an inland marine extension, a specific ask.
Usually property cover on your fit-out and contents plus liability naming them as additional insured — send us the lease clause and we will match it exactly.
Cover typically narrows sharply after thirty or sixty days empty — tell us before a location goes dark.
Often — bundling property with general liability in a business owners package usually costs less than the two apart. We quote both and show you.
