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Cover overview
Making sure the property you operate from has the appropriate insurance cover for your needs is essential to the smooth running of any business.
We provide comprehensive cover of buildings, contents and stock at your business as part of our Property cover. It protects against physical damage caused by common risks that you've chosen to insure against such as fire, flood, storm or escape of water.
You can tailor your cover by protecting goods belonging to your customers, as well as any property away from your premises, giving you all-round assurance that your business is properly covered.
What's covered:
- Damage to buildings following theft or attempted theft.
- Cost of replacing locks to your buildings if keys are stolen, up to £2,500.
- Locating an escape of water or oil, and repairing damage caused by the search, up to £25,000 for each loss.
- Customers’ goods, if you’re responsible for them.
- Reinstatement of computer software following damage to equipment, up to £25,000.
- Property temporarily removed from your premises for up to 21 consecutive days, for alteration, cleaning or repair, or at trade exhibitions, up to 10% of the sum insured or a maximum of £50,000.
What's not covered:
- Gradual deterioration.
- Storm damage to movable property left in the open.
- Theft of property left in the open.
- Theft not involving a break in.
- Damage caused by bursting of steam pressurised apparatus, other than boilers for heating your premises.
- Customers goods if they’re insured elsewhere.
- Computer breakdown unless optional cover is chosen.
- Losses arising from any pandemic or epidemic involving an infectious disease in humans, or from any coronavirus or mutation or variation of a coronavirus.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
Important documents
FAQs
Commercial property insurance is designed to provide cover for physical assets and property-related risks linked to commercial property such as fire, flood, storm or escape of water. You can tailor your cover to meet your business needs and choose covers that help protect you against repair, rebuild and replacement costs of stock and equipment.
In short, landlords and property owners are responsible for insuring their own commercial property.
To protect yourself and your property in the event of a claim, insurance is a necessity for commercial landlords.