Assets & Property Insurance

Buildings insurance covers the physical structure (walls, roof, fixtures). Contents insurance covers movable property (furniture, stock, equipment). Many commercial policies combine both under a single "Material Damage" section.

Business interruption (BI) is typically an extension to a commercial property policy, not a standalone product. It activates when your property suffers material damage and your operations are disrupted as a result. We strongly recommend including BI in all commercial property policies.

The sum insured should represent the full reinstatement cost of buildings (not market value) and the replacement cost of contents and stock. Under-insurance can result in reduced claim settlements. Our team helps you calculate accurate replacement values.

Standard commercial property policies cover external theft and burglary. Employee dishonesty (theft by staff) is typically covered under a separate Fidelity Guarantee insurance. Ask our team about bundled solutions.

Yes. Both landlords and tenants have insurable interests. Tenants typically insure their fit-out, contents, stock, and equipment. Landlords insure the building structure. Our team will structure the right coverage for your tenancy arrangement.

First loss basis allows you to insure for less than the full value of your property where it is physically impossible for everything to be lost at once (e.g., distributed stock across many locations). It can reduce premiums significantly without meaningful reduction in practical coverage.