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A guide to business contents insurance

Business content insurance is an important form of insurance for every business, as it protects equipment and possessions in the work premises. Whether you are searching for competitive office contents insurance or shop contents insurance, our guide will help.

What is business contents insurance?

Commercial contents insurance is designed to cover loss or damage to tools, furniture, stock and equipment. There are many situations which could lead to you needing to make a claim, for example:

A fire
Malicious damage
Theft
Flooding or storm damage

Having the appropriate insurance policy in place will mean that your business can quickly get back on its feet from such set back. Business content insurance will enable you to replace the items which your business needs to operate.

There are a variety of specialised contents insurance policies available, designed to cover specific industries. For example, policies designed for shops, restaurants or warehouses storing highly valuable equipment. In some cases, business contents insurance policies will be combined alongside other policies, such as public and employer’s liability insurance.

There are also full building and contents insurance policies, which are designed for businesses which own the premises they operate from. If you are a landlord, you will need building insurance, however your tenant will need to arrange their own contents insurance cover.

Do I need business content insurance?

Whether you have a small or large business, there are many benefits to taking out a contents insurance policy. Although the cover is not required by law, many businesses choose to not take out contents insurance for their business as it provides peace of mind.

Do you have the funds available to replace the contents which your business relies upon? If not, your business could quickly find itself struggling if an incident occurs.

Commercial contents insurance is designed to provide your business with quick, flexible cover and complete peace of mind.

If you are working from home, you may be able to include business contents cover within your home contents policy. However, this is not always included as standard, so you will probably need to amend your existing policy. It is important that you let your home insurance provider know that you are operating a business from home. If they are not aware of the change of use, your policy could be invalidated.

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Business contents insurance average cost

The cost of your commercial content’s insurance will depend on a variety of factors, which are unique to your business. For example, if your business needs a large cover level due to valuable contents, it is likely to cost more. You need to be careful that you do not underestimate the level of cover you require. If you do need to make a claim, it could be very expensive to replace any missing or damaged contents.

It is also important that you take into account periods when your business is holding larger amounts of stock than usual. At these times it will cost much more to replace your contents than other times of the year. Your insurer will be able to amend your policy for these periods to cover a larger amount, although the cost will increase.

How do I find the best quote?

With have partnered with many of the leading contents insurance companies, so that you can arrange building insurance online. Start by entering your details into our online form, our team will then arrange the best deals with our panel of insurers.

You will be able to compare like-for-like quotes, so that you can find the best price without compromising on cover. Once you have found the best policy for your business, you will be able to purchase the cover through our website. To find out more about commercial business insurance, please contact our team.

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