businessinsure
Property Owners Insurance
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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.
Instalment Payment Method available in most cases
