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.
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
- Courier and delivery companies
- Haulage and logistics operators
- Taxi and private hire fleet operators
- Businesses operating from offices, depots or warehouses
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.