Contents Insurance for Your Business Property
If you are in business it matters not whether you are a small business with an office or shop or a large corporation with multiple property, you will need business contents insurance to protect your business tangible assets.
Business contents insurance provides material damage and loss cover against all the major perils such as fire, flood and theft as standard, but will also include replacement cover for goods and equipment that are trade specific such as tools or shop stock.
Business contents insurance policies will also usually include cover for any liability that the contents might cause.
For example if you rent or lease a shop, the stock that you keep there could cause physical damage to the property’s bulding or fixtures for which you would be liable. Equally in a shop your stock could fall on a customer for which you would be liable. Buildings contents insurance protects you against any claims from the landlord for liabilities occurred by the business contents and goods, during the daily running of the business.
Commercial property polices that include contents insurance covers are available to both business tenants and business property owner occupiers. Owner occupiers can purchase both buildings and contents combined property insurance cover.
Business Contents Insurance Packages
Business contents insurance is sold to the majority of small businesses in the UK as part of a package that is suitable and has been designed for a particular trade, service or property type.
If you own, rent or lease a shop you can get very competitive business all risks including contents cover in a shop insurance package. These widely available policies offer a choice of various shop contents loss and damage covers including stock, shop fittings and tenants improved fixtures, high value stock that needs a sum insured declaration, tills and electrical equipment and all other shop contents.
If you own, rent or lease an office for your business activities, office insurance packages offer complete all risks covers for office contents insurance.
Most small business insurance policies provide provision for contents insurance for all types of buildings and businesses, however some for some risks thep olicy may be issued subject to conditional clauses .
Depending upon the physical location of the business contents an insurer may well impose tough restrictions as to the storage and security of the property and its contents. This may include insurer approved alarms, CCTV, window grills and bars, all of which will also hlep keep the premium costs down as they attract large discounts if fitted.
Business Contents Insurance Quotes Comparison
Comparing Business Contents Insurance Quotes
With so many offerings to choose from on the Internet when looking for business contents cover, it makes sense to shop around and visit a business contents price comparison site. The larger sites such as commercial insurance broker price comparison UK Commercial, offer the widest range of covers which can be selected and adjusted, as well as premium prices compared, allowing you to tailor your own business contents cover.
Business Contents insurance price comparisons online are usually very quick and intuitive to use.
For example, to get a quote for office contents insurance, you for will require the value of the business contents sums insured, broken down into four separate office contents risks :
Business equipment which covers desks, tables and chairs etc.
Computers and printer insurance.
All electrical equipment cover which covers all electrical office equipment such as photo copiers and kettles
Business Data insurance, which covers business files and protects all data and filing systems on a restoration indemnity basis.
Aside from the sums insured to receive comparative quotes you will usually be asked a few questions about the type of business, its location and the security that you have in place.
It should take under a minute in most cases to fill out the data required to get a list of business contents insurance quotes back from the supplier.