Why this exists
The base policy covers less than most people assume. Flood, storm, riot and impact are added by name, and if they were not added, they are not covered.
What it covers
- Fire, lightning and explosion as standard
- Flood, storm and tempest, where added
- Riot, strike and malicious damage, where added
- Impact by vehicles or falling objects, where added
- Bursting of water tanks and pipes, where added
What it does not
- Perils not named in your schedule
- Machinery breakdown from internal fault
- Loss of income — that requires business interruption cover
- Gradual damage, wear and tear
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Any business owning or occupying commercial premises
- Landlords of commercial property
- Manufacturers and warehouse operators
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.