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Building and Contents Insurance is designed for both large businesses and SMEs. Building and contents insurance ensures the protection of your physical infrastructure and valuable assets.
In today’s unpredictable environment, remaining fully insured on your buildings and contents is ever more critical. The majority of us will have Buildings and Contents Insurance to protect our home and belongings – This is just as important for businesses. Being underinsured can be disastrous, resulting in business not fully recovering from a fire, flood or break-in.
We understand that large businesses have unique needs, and loss of access to business premises has an astronomical effect on their output. The range of issues and the enormity of the task of covering a business’s premises is why we recommend that our clients only use the best.
To keep your business operating as it should, protecting your premises and the assets within is essential.
Flood, fire, theft, or a number of incidents could happen that are unforeseen. Damages could impact the physical structure of the buildings, as well as the surrounding structures. Walls roof and floors all need to be considered within the insurance policy, alongside the contents. With comprehensive Buildings Insurance, you’ll be able to start repair work straight away, so your doors won’t stay closed for too long.
Building and Contents Insurance from Romero Insurance Brokers provides you with the peace of mind that, in the face of adversity, you have a strong safety net to fall back on.
The building insurance will consider structure as well as any permanent features and fixed down fittings. The range of causes of damages to a building are limitless, however we’ve listed some of the most common claims:
We tailor our policies to meet your specific needs. Whether you own, lease, or manage your business premises, our building insurance can be customized to ensure you’re adequately protected.
The contents within your premises, from office equipment to inventory, are vital to your day-to-day operations. Our contents insurance safeguards against:
We work closely with you to evaluate your assets and determine the right level of coverage to keep your business running smoothly in any situation.
A Tailored Solution: Our insurance experts will get to know your business and the specifics of your premises. Our executives will then work with you to make a plan that meets your specific needs. We understand that large businesses have special requirements, including unique assets that demand an experienced eye to value properly – Romero Insurance Brokers ensure your coverage reflects this.
Buildings and contents are one of the most critically underinsured areas, and it can have a catastrophic impact were a claim to happen. Being underinsured means every time businesses need to make a claim, a large portion will be paid by the claimant and not the insurer.
Common reasons why underinsurance happens includes poor valuation, inflation, changes to your premises or asset purchases. Battling these causes can have ramifications such as a higher premium upon renewal.
At Romero Insurance Brokers, we’re dedicated to tackling underinsurance whilst remaining competitive. We’ve put together a whitepaper to inform and assist clients about the dangers of underinsurance.
The bricks and motor of your buildings as well as any fixed permanent features such as toilets and radiators. Also covered are the furniture, equipment and assets. Any business interruption from damages can also be included, as well as legal fees and compensation.
The answer depends on your type of business. The only type of business insurance that is mandatory in the UK is employers’ liability cover. Business sand content insurance is absolutely recommended by brokers and experts. Going without insurance can easily result in the irreparable loss of your business.
The building insurance should cove the amount it would cost to rebuild your business. This need to take into account all the cost of machinery, equipment and furniture at your property. It should also cover the time lost and business interruption – therefore your business can continue to operate some time after the event. Our valuation will ensure you are not underinsured.
Contact us today to get started with Romero Insurance Brokers. With your permission, we will be able to perform a confidential review of your business and insurance terms, able to go to insurers and determine our best offer which might be better than your current provider.