Business Property Insurance 

Buildings and contents can be insured against damage from fire, lightning, explosion, malicious damage, storm, impact by aircraft, road and rail vehicles, water damage from pipes and sprinkler leakage. You can generally get any form of coverage you wish for a price but general property and buildings coverage is usually adequate. A form of All Risks insurance gives wider cover including any accidental damage or loss not specifically excluded. However no property insurance will cover normal wear and tear, electrical or mechanical breakdown and gradual deterioration. If you own your own buildings, remember to insure your business premises for the full rebuilding cost (including professional fees and the cost of site clearance) and not just for their market value.

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