Business Buildings

We can insure your business buildingsIncludes all garages and outbuildings, walls, gates and fences and swimming pools, swimming pool filters, sauna baths, spa baths, hot tubs, sports courts, ornamental ponds or fountains, borehole motors, satellite dishes, irrigation systems, geysers, pipes, solar heating systems, heat pumps, brick, tar or concrete driveways, paths or patios, fixtures and fittings permanently attached to the buildings. against damage. This also covers all kinds of structures and features of your premisesThe buildings and the garden area surrounding the buildings at the address stated in your declaration..

Either you or your business needs to own the building, or it can be owned by a different company of which you are a shareholder.

Your cover includes insurance against damage caused by fire, lightning, explosion, water, wind, storm, hail, snow, earthquake, impact, malicious damage and damage caused by thieves gaining entry to your building.

You are covered for damage caused by thieves trying to gain entry to your buildings.

You’ll get all of this automatic additional cover:

• If your building value increases as a result of alterations, additions or improvements
• Professional and other rebuilding costs
• Loss of rent
• Accidental damage to water, sewerage, electricity and telecommunication connections.
• Removing debris after a claim that we pay.

For a minimal extra monthly premium you can extend your cover to protect against damage caused by subsidenceSinking – ie the vertical downward movement of soil. It includes settlement, which is a lateral movement. ,landslipThe sliding down of a mass of land. It is, in effect, a small landslide, and typically occurs on a slope. and heaveThe upward movement of soil supporting the building..

Please note: you cannot take out a Business Buildings policy unless you have first taken our Business Contents cover.

Here’s a handy List of Terms we use in business buildings insurance, with their explanations.

All cover is subject to the policy terms, conditions and exclusions as stated in the Policy Wording, which you can read here.

You can read the General Section and General provisions here

Please always refer to your policy wording as the final and definitive document that specifies the details of your cover, including what is not covered.

BUSINESS BUILDINGS TERMS

Buildings

Includes all garages and outbuildings, walls (but not dam walls), gates (including gate motors and intercom and security systems) and fences (not hedges), and swimming pools (but not the water or portable swimming pools), swimming pool filters, sauna baths, spa baths, hot tubs, sports courts (but not clay, gravel or grass surfaced sports courts), ornamental ponds or fountains, borehole motors, satellite dishes, irrigation systems, geysers, pipes, solar heating systems, heat pumps, brick, tar or concrete driveways, paths or patios on the same premises, and including fixtures and fittings permanently attached to the buildings.

Subsidence, landslip and heave

Subsidence means sinking – ie the vertical downward movement of soil. It includes settlement, which is a lateral movement.

Landslip means the sliding down of a mass of land. It is in effect a small landslide, and typically occurs on a slope.

Heave means the upward movement of soil supporting the building.

Premises

The buildings and the garden area surrounding the buildings at the address stated on your declaration.

Structural alterations

Alterations to your building that involve the removal of any wall or external door or window or any part of the roof or the underpinning of your building.

Unoccupied

Means that there is no one on your premises with your knowledge and permission.