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Commercial property insurance quote
Are you looking for a commercial property insurance quote?
As the owner of such property you might be aware of the necessity for safeguarding the premises in this way, but be overwhelmed by the sheer number of offers and quotes you are likely to receive from a whole host of providers.
Seek your commercial property insurance quote from us here at UKinsuranceNET and any confusion or indecision may be put to one side when we identify the cover most appropriate to your particular, individual needs and requirements – at a competitive price that is designed to provide excellent value for money.
Why do you need commercial property insurance?
The principal role played by commercial property insurance is protection of the property against a whole range of risks and perils which may damage the building and its contents – and in the worst case scenario even lead to such devastation that the entire building needs to be reconstructed.
because of that worst case scenario, the total building sum insured is typically based on the actual, current costs of reconstruction;
as the owner of commercial property, you also have a duty of care to take all reasonable precautions against members of the public sustaining an injury or having their own property damaged because of some negligence on your part;
public liability claims against you as the property owner may assume very considerable figures and the public liability indemnity commonly included in commercial property insurance is typically a minimum of £1 million – but still higher limits are by no means uncommon;
remember, too, that if you employ anyone else in connection with your ownership of the property, you are almost certain to be legally obliged to hold a minimum of £5 million employer’s liability insurance against the possibility of their being injured or contracting an illness or other medical condition whilst in your employment.
What you need to know when buying cover
What you need to know when buying cover, of course, is that the insurance you choose provides all the elements of protection you need at the appropriate level.
In addition to the estimated cost of rebuilding the premises, the sum insured needs to cover the cost of replacing the whole of any contents you may own.
These estimates are crucial to your avoiding the twin traps of underinsurance and overinsurance. If you are underinsured, any insurance settlement in the event of a claim may be insufficient to make the building repairs you need or to replace lost or damaged contents. If you are overinsured, on the other hand, you are probably paying more than you need for the commercial property insurance you have arranged.
Why choose us?
At UKinsuranceNET we take the time to understand your precise needs and requirements when it comes to commercial property insurance, helping to ensure that you are neither under- nor overinsured.
We are able to cover all manner of commercial properties, used by all kinds of businesses. Not only do we aim to ensure that your insurance cover offers what we believe is good value for money, but we also offer you the option of paying the premiums in monthly instalments.