Buildings and Contents Cover
Building insurance cover protects the structure (fixtures and fittings), while contents insurance covers your belongings. As a guide, the building’s sum insured should be based on the rebuild cost – this includes professional fees and debris removal.
While choosing the sum insured is ultimately your responsibility, our preferred partners can provide an expert opinion that’s based on a professional rebuild calculation, giving you peace of mind over the type of cover chosen.
The contents are generally insured on a new-for-old basis, but it’s also important to ensure the cost to replace equipment is considered with a separate figure for computers and electronic business equipment.
You may want some plant vehicles, such as fork lift trucks, on an indemnity basis to keep costs down. Stock should be insured at the cost price and insurers generally want separate sums insured for any high risk stock classified as theft attractive.
Our preferred partner network can review your existing cover and offer expert advice on ways you can stay protected. Get in touch to find out how our partners can help.
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