Protect your premises, stock and equipment.
Property all risks and business interruption for offices, warehouses, shops and clinics — tell us what you're insuring and an advisor goes to market.
Property all risks
Buildings, stock and equipment against fire, theft, water and natural perils.
Business interruption
Lost gross profit and extra costs while you recover.
Money & fidelity
Cash on the premises or in transit, and losses from employee dishonesty.
Frequently asked questions
What does 'all risks' mean?
Everything not specifically excluded — so read the exclusions.
Is business interruption included?
Yes as a section here — tell us your gross profit.
Are natural catastrophes covered?
Usually, with a specific excess.
How is the sum insured set?
Reinstatement value for buildings and equipment; cost price for stock.
Do I need it as a tenant?
Yes for your contents, stock and fit-out; the landlord insures the building.