Property insurance covers buildings, contents, plant and stock at named locations, and the earnings lost while the business is out of action.
- Fire and allied perils, the narrower named-perils basis
- Property all risks, which covers accidental damage unless specifically excluded
- Business interruption for gross profit and standing charges following insured damage
- Extensions for debris removal, professional fees and public authority requirements on reinstatement
- Values declared on a reinstatement basis, with the average condition applying if understated
Sums insured drift out of date quickly when stock levels or construction costs move. A business interruption claim also depends on the indemnity period being long enough to rebuild and recover trade, which is where most policies are set too short.
What this covers
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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