Fire & Defined Events

• This is a compulsory section of Business Insurance for those businesses that operate from premises e.g. a shop, office, surgery, warehouse or factory.

What is covered?

Loss of or damage to:

• Buildings - the structure of your premises and walls, footpaths, etc.
• Contents - any equipment such as computers, photocopiers, cash registers, desks, kitchen equipment, telephones and files.
• Stock or work in progress.

As well as fire damage, some other events covered are:

• Storm or lightning damage.
• Malicious damage or vandalism.
• Accidental damage (up to a specified amount).

Please note:

• To cover damage to your glass windows you should consider the Glass section.
• To cover money kept on your premises you should consider the Money section.
• To cover theft of your stock or contents you should consider the Theft section.

Refer to the policy document for full details

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