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Property Insurance

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Property Insurance covers the physical assets your business depends on. Your office, your equipment, your stock, everything that would cost you time and money to replace if it was damaged, destroyed, or stolen. Most businesses underestimate what it would actually cost to get back up and running after a serious incident. This cover means you find out the answer before it happens, not after.

What This Covers

  • Buildings and office space you own or are responsible for
  • Contents including furniture, fixtures, and fittings
  • Equipment, machinery, and technology
  • Stock and inventory
  • Damage caused by fire, flood, storm, or escape of water
  • Theft and attempted theft
  • Accidental damage where included

What This
Does NOT Cover

  • Wear and tear or gradual deterioration
  • Damage caused by poor maintenance
  • Unoccupied premises beyond the policy's specified period
  • Certain high-value items unless specifically listed
  • Business interruption losses covered under a separate policy

Illustrative
Claim Example

Illustrative Example

A 25-person creative agency returned to their studio after a weekend to find a burst pipe had caused significant water damage to their equipment and workspace. Laptops, monitors, servers, and a significant amount of specialist kit needed replacing. Their Property Insurance policy covered the full cost of replacement equipment and the cost of temporary workspace while repairs were carried out. Total claim: £68,000.

Who
Needs This Insurance

Any business with a physical office, studio, or workspace

Companies with equipment or stock worth replacing

Businesses that lease their premises and are responsible for contents

Any growing business that would struggle to absorb a large unexpected loss

Ready to
get covered?

Get a quote for Property Insurance built around your business and what's in it.

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