Is buildings insurance still needed even if my business premises are rented?

Tenants should check this with their landlord. Whilst landlords invariably arrange insurance for the building and might also get some contents insurance for certain fixtures and fittings, this may not be the case in every instance and normally wouldn’t protect the tenant’s business’s contents and stock. So tenants should also speak to their broker about what cover might be wanted.

Do landlords have responsibility for tenants' belongings?

In the vast majority of cases they don't. It’ll depend on what’s in the tenancy agreement, but usually tenants are entirely responsible for the items they have at the premises so they may want to consider arranging their own contents insurance.

I have goods that are being transported within the UK and around the world. Are they protected by my buildings and contents insurance?

You might want extra cover when goods are being imported and exported or being transported within the UK - you should speak to your broker about what insurance you need.

Can my business premises which aren't in the UK be protected by my business's buildings and contents cover?

The countries which are covered by an insurance policy will be set out in the policy wording (and will often be called ‘territorial limits’). Most standard policies only provide cover in the UK, Channel Islands and Isle of Man. If your business extends overseas then you should ask your broker about alternatives including multinational insurance.

Buildings and contents insurance for business - Allianz Insurance

Name: Buildings and Contents Insurance
Brand: Allianz Insurance
Availability: InStock

fire storm or flood

water leaks

accidental damage

theft or attempted theft

riots and criminal damage

subsidence.

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