Commercial buildings insurance is designed to protect you and your business if something unexpected happens to your business premises. There are certain risks that come with being responsible for a building that is being used for commercial purposes. Commercial buildings insurance covers your building against fire, theft, damage and more.
You may also choose to extend your protection with business contents insurance. This covers the repair or replacement of contents within the building.
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Most commercial buildings insurance policies provide cover for the following:
Commercial buildings insurance is not a legal requirement however it provides a business with security when disaster strikes. If you have taken out a mortgage out on the building, the lender may require you to have commercial buildings insurance in place as part of the agreement. If you are a tenant, the responsibility to take out commercial buildings insurance lies with the landlord however the tenant may still take out contents insurance.
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