What’s Covered?

Our business property insurance is all about keeping your workspace—and everything that makes it tick—safe from the twists and turns of the unexpected. Whether you’re running a solo gig from home or managing a busy high-street operation, we’ve designed this cover to protect your premises, your assets, and your peace of mind. Here’s a deeper dive into what you can expect when you insure with us:

• Buildings Cover: Your physical space is the foundation of your business, and we’ve got it covered—literally. Whether it’s a home office tucked into a spare room, a shopfront welcoming daily customers, or a historic pub with character, we’ll protect the structure itself against the big risks. Think fire breaking out in the kitchen, a flood soaking the floors, storm winds tearing at the roof, or vandals smashing a window. We’ll help cover repairs or rebuilding costs, so your business doesn’t lose its home.

• Contents Insurance: It’s not just the walls that matter—it’s what’s inside them. From the furniture that keeps your staff comfortable to the stock piled up for sale, we’ll cover the essentials if they’re damaged, destroyed, lost, or stolen. Imagine a pipe bursting over your office desk, ruining paperwork and electronics, or a break-in swiping your retail inventory. Our contents cover steps in to fund replacements or repairs, keeping your operation running smoothly without draining your cash flow.

• Business Equipment & Tools: Every business has its must-haves—the gear that gets the job done. For a freelancer, that might be a laptop humming in a home office; for a tradesperson, it’s the power tools in a workshop; for a café, it’s the espresso machine brewing the morning rush. We’ll ensure these vital pieces are protected
• against damage or theft, so a spilled coffee or a smashed lock doesn’t mean days—or weeks—of downtime. Your work keeps moving, because your tools do too.

• Rented Premises Flexibility: If you’re renting your space—say, a cozy studio, a retail unit, or a warehouse—we know it’s a team effort with your landlord. We’ll sit down with you to review their policy, spotting any gaps they might not cover, like tenant improvements or your own contents. Maybe their insurance stops at the walls, leaving your stock or upgrades exposed. We’ll fill those holes with tailored cover, so you’re not caught off-guard by a landlord’s fine print or an unexpected claim.

• Customisable Options: Your business isn’t cookie-cutter, and neither should your insurance be. We offer extras to tweak your policy to fit just right. Own a shop with floor-to-ceiling glass windows? Add glass insurance to cover a smashed display. Running out of an older building prone to settling? Subsidence protection can safeguard against cracks or shifts. Need coverage for portable gear taken off-site? We can bundle that in too. Whatever your setup—home-based, high-street, or heritage—we’ll customise it to match your risks and your vision.

All features are subject to eligibility and underwriting criteria, so let’s chat about your premises and build a policy that’s as solid as your business itself.

Our Other Personal Insurance Solutions

Explore our range of policies designed to keep your business running smoothly: