Commercial Property & Fire Insurance

Your physical assets—buildings, machinery, and inventory—represent the foundation of your business. Our Commercial Property insurance is designed to protect these investments from catastrophic loss, ensuring your operations can recover swiftly after an unforeseen event.

CORE COVERAGE OPTION

• Standard Fire Insurance

Covers essential risks including fire, lightning, and domestic explosions. This is the fundamental requirement for any business premises.

• Property All Risks

A comprehensive solution covering all physical loss or damage, including theft, accidental damage, and natural disasters (floods, storms, and earthquakes), unless specifically excluded.

Strategic Enhancements

To ensure full resilience, we offer critical extensions to standard property coverage:

• Business Interruption (Consequential Loss): Protects your gross profit and covers fixed costs if your business is forced to close temporarily due to fire or property damage.

• Machinery Breakdown: Coverage for the repair or replacement of vital equipment due to internal mechanical or electrical failure.

• Burglary & Money Insurance: Safeguards your stock and cash-on-hand against theft and forced entry.

• Special Perils: Specific protection against aircraft damage, impact by vehicles, and bursting of water tanks or pipes.

🛡️ Why Strategic Property Coverage Matters

A single fire or natural disaster can lead to a permanent business closure if assets are not properly valued and insured. We work with you to ensure your sums insured reflect current market replacement costs, preventing "under-insurance" and securing your financial recovery.

📞 Speak to Us to Find Out More

Protect your business assets today. Contact us for a comprehensive risk assessment and a tailored property insurance quote.