Business Insurance

Building Cover
This is the sum you would need to insure your building for. Only the rebuilding cost is needed. If you are unsure of the rebuilding cost you can go to this website to check.

Tenants Improvements
This is needed if you are renting or leasing the property and do not own the building you occupy. This includes improvement you have made to the flooring, ceilings, lighting, and any interior decoration.

Fixtures & Fittings
This includes office furniture, display cabinets, cold cabinets, hanging rails, shelves, counters, tables and chairs.

Business Machinery
Depending on your trade this could include for example for a café it would be cookers, fridges, freezers, coffee machines basket fryers and cooking appliances.

Goods In Transit
This would cover property whilst in transit within the UK.

Money
This is for physical loss or damage of ‘money’ pertaining to the business, occurring in the UK.

Money In Transit
This would cover any money in transit to and from the bank.

Business Interruption
Provides the business with financial compensation following an insured loss under the material damage cover and is designed to help the business return to a normal trading position as quickly as possible.

Employers’ Liability
This protects companies against damages and legal costs that arise as a result of a claim from an employee s suffering an injury or disease due to, and during their employment.

Public & Products Liability
Cover is provided in respect of legal liability to pay compensation including legal costs for accidental death or personal injury to any person excluding employees. Also accidental loss or damage to third party material property.