PREMISIES INSURANCE

Cover For Offices, Depots and Operational Premises

Premises Insurance helps protect the buildings and contents you occupy as part of your business operations. Whether you operate from an office, depot, warehouse or combined premises, this cover is designed to protect against damage, loss and interruption to your business.

For delivery and fleet-based businesses, premises are often a critical operational hub for vehicles, drivers, goods and administration. Unexpected events such as fire, flooding, theft or vandalism can have a significant impact on your ability to operate, making the right insurance an essential part of protecting your business and keeping your operations running smoothly.

What’s Typically Covered

Damage to buildings (if owned)

Business contents, fixtures and fittings

Stock and goods stored at the premises

Fire, flood, storm and escape of water

Theft and malicious damage

Cover can be arranged for owned or leased premises, subject to policy terms.

Optional Extensions

Business interruption cover

Employers’ liability and public liability

Loss of rent or alternative accommodation

Accidental damage

Money and personal assault

Who It’s Suitable For

Haulage and logistics operators

Courier and delivery businesses

Freight forwarders and transport intermediaries

Pallet networks and linehaul operators

A Typical Claim Example

A fire breaks out at a delivery company’s depot, causing damage to the building and office contents and preventing the business from operating for several weeks. Premises insurance can cover the cost of repairs, replacement of contents and loss of income during the interruption period, subject to policy terms.

Why this cover matters

Damage to your premises can disrupt operations, delay deliveries and impact cash flow. Premises Insurance helps protect the physical assets your business relies on and supports continuity following unexpected events.

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