Residential buildings insurance

Houses or flats let to professional tenants

Houses or flats let to students or DSS tenants

Blocks of flats owned by management accoaitions or residents associations

Blocks of flats requiring buildings insurance by the owner

Unoccupied houses and flats

Unoccupied commercial properties

All other commercial properties either owned or rented out

Properties not constructed mainly of non-combustible materials cannot be insured with Businessinsure

Buy to lets, landlords and unoccupied or vacant

The following is a summary of the insurance cover available on a UK insurers
property insurance, property owners insurance, buildings insurance or blocks
of flats insurance package policy. This is an example of one insurance
companies policy.

Many insurers offer similar property insurance, property owners insurance,
buildings insurance or blocks of flats insurance package policies and the
insurance cover will be similar. However, please note that most property insurance, property owners insurance, buildings insurance or blocks of flats insurance package policies will differ in many ways. For example, different property insurance, property owners insurance, buildings insurance or blocks of flats insurance package policies may have different excesses and/or terms and/or conditions and/or warranties.

You should always ask for your property insurance, property owners insurance, buildings insurance or blocks of flats insurance quotation in writing and ensure that you read through the terms, conditions, warranties, exclusions, excesses and sums insured fully before accepting any insurance quotation.

The old adage “the cheapest is not necessarily the best” is certainly true for business insurance and commercial insurance which includes surgery insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.
Property Insurance, Property Owners Insurance, Buildings Insurance or Blocks
of Flats Insurance Package Policy Cover Summary

STANDARD COVER

The Structure

Available on “Specified Contingencies” or an “All Risks” basis

Subsidence is available as an option in most cases

Public Liability

• Public Liability, indemnity limit up to £2 Million (any one occurrence) unless otherwise shown on the schedule

Glass and Sanitary Ware

• “All Risks” cover on Glass, Sanitary Ware and Shop Front Glass at the Premises for which You are responsible

OPTIONAL COVER

Landlords Contents

Cover on Landlords Contents follows that chosen under Policy Section 1 – The Structure

Rent Receivable or Payable

Loss of;

• Rent Receivable or Payable

• Additional Expenditure and

• Outstanding Debit Balances

• Cover follows that chosen under Section 1 – The Structure

Employers Liability

Employers’ Liability, Indemnity Limit up to £10 Million (inclusive of legal costs) unless otherwise shown on the schedule

Personal Accident

24 hour cover for specified employees suffering bodily injury resulting in:

• Death

• Loss of limbs or sight

• Permanent total disablement

• Temporary total disablement

Other features

24 hour business assistance services

Free Helpline services available 24 hours a day, 7 days a week for:-

• Legal Advice on any business problem including Employment, Tax, Contract Disputes etc

• Emergency Assistance – rapid response from reputable local contractors to deal with any sort of emergency on your premises, including burst pipes, drainage problems, gas, electricity failures, serious roof damage

• Glass Replacement and Locksmith Services – rapid call outs for any glazing or door & window security problems.

Installment Payment Method available in most cases