Property Insurance (Commercial Premises and Plants)
Protects buildings, machinery, stock and contents against fire, earthquake, flood and theft.
Commercial property insurance protects your buildings, machinery and equipment, contents and stock against fire, natural catastrophes, theft and similar perils. For large sites, the right sums insured, a risk engineering survey and business interruption cover decide whether a claim will be paid in full. We run the process with you, from valuation to policy design.
Who is it for?
- Factories, warehouses and production plants
- Owners of hotels, shopping centres and commercial real estate
- Businesses holding high-value stock
What does it cover?
- Fire, lightning, explosion
- Earthquake and volcanic eruption
- Flood, inundation, storm
- Theft
- Machinery breakdown and electronic equipment (extensions)
- Business interruption / loss of profits (extension)
Scope and exclusions vary by insurer and programme. With every quote we summarise the policy wording in plain language.
What drives the price?
- Sums insured and valuation basis
- Construction class and fire protection
- Earthquake zone
- Loss history
Frequently asked questions
What is underinsurance?
If the sum insured is below the actual value, claims are paid in the same proportion. That is why a correct valuation is critical.
Why does business interruption cover matter?
While a plant is rebuilt after a fire, fixed costs continue and gross profit is lost. This cover pays for the financial impact of that period.