Business buildings insurance

Business buildings insurance - compare quotes

Whether you work from home or have separate premises such as a shop, office, or pub, buildings cover should be a top priority.

With Simply Business, you can include business buildings cover within your full policy, meaning that you only have to worry about a single set of documents, a single premium, and a single renewal date. Creating a tailored business insurance policy is easy, and you can compare quotes in minutes.

What is business buildings insurance?

Business buildings insurance is exactly what it sounds like – cover for the building you run your business from. It can cover you if your business premises is damaged or destroyed, paying out for repairs and rebuild costs.

Business buildings insurance claim example

A large fire broke out at a policyholder's business premises, caused by an electrical fault. The property was significantly damaged throughout and needed extensive repairs, which were covered by their policy.

The customer's stock and contents were also damaged, but those are not covered under business buildings insurance and require separate cover.

What does business building and contents insurance cover?

As well as the building you run your business from, it’s also important to think about what’s inside it, such as your contents and furnishings. You can combine your building insurance with covers like contents insurance, business equipment cover and stock insurance.

Buildings insurance covers your fixtures and fittings as well. This includes things like:

• curtains and blinds
• skirting boards
• carpets
• built-in units and plumbed-in items like sinks and toilets.

Run a home-based office? You can add cover for this too. Our buildings and content insurance can protect a broad range of businesses.

Run a shop? You can get shop front insurance as part of our tailored shop insurance policy.

Business buildings insurance policy details

To make sure your business buildings insurance covers everything you need it to, keep the following points in mind:

• Insure your property for the amount it would cost to rebuild – not its market value
• If you add business contents insurance, this will only cover items you own or are responsible for, and which are within your business premises
• Fixtures and fittings insurance only covers permanent items
• If you rent the premises, check with your landlord to see what’s already covered