|
Item
|
Sum insured/limit of liability |
| |
Homeworker and Tradesmen |
All other trades |
| Buildings |
All risks as required |
All risks as required |
| Subsidence |
Not applicable for homeworkers. Business premies only for Tradesman |
Optional |
| Contents (including fixtures and fittings, computers and any other contents) |
All risks as required |
All risks as required |
| Accidental damage |
Yes |
Yes |
| Deterioration of stock |
Yes |
Yes |
| Breakage of glass (including cost of temporary boarding) |
Yes |
Yes |
| Damage to display windows, signs and lettering work or decoration on glass |
Up to £2,000
Up to £1,000 for signs |
Up to £2,000
Up to £1,000 for signs |
| Goods in transit |
Up to £5,000 |
Up to £10,000 |
| Specified items anywhere in UK |
Up to £7,500 |
Up to £15,000 |
| Up to 90 days automatic cover for any new items purchased after your policy’s start date. |
Yes |
Yes |
| Replacement of locks and keys |
Up to £500 |
Up to £1,000 |
| Loss or damage to contents or trade materials whilst at an exhibition in the UK |
Up to £2,000 |
Up to £2,000 |
| Loss of metered water |
Not included
|
Up to £2,500 |
| Personal belongings of employees and visitors |
Up to £250 per person |
Up to £500 per person |
| Paintings, curios or other works of art |
Not included
|
Up to £5,000 (Office, Surgery, Hotels and Pubs and Restaurants
|
Some examples
You run a picture framing business. Your workshop is destroyed by fire. You lose not only the building, but all your equipment, materials and stock. You face the costs of rebuilding, re-equipping and re-stocking your workshop.
You run a bicycle shop. Someone smashes the shop window while you are busy serving customers and steals a bicycle from the window display. You need to repair the window and replace the lost stock.
Not to be confused with
Business interruption cover
Your buildings and contents insurance will replace or repair damaged or lost property. It doesn’t insure you against the business income you may lose while the problem is sorted out – this is what Business interruption insurance does.
Find out more about business interruption cover
or Money cover
Money insurance can cover loss of cash and non-negotiable money from your business premises – items which won’t be covered by your general buildings and contents insurance.
Find out more about money cover
Important note!
The information on these website pages is for your general information only. Always check the wording in your insurance documents carefully to find out exactly what cover your policy provides, what the limits of the cover are and whether there are any exclusions or conditions.
