Commercial Property Insurance

Comprehensive Protection for Business Assets and Operations

Our Commercial Property Insurance doesn’t just cover damage to buildings, furnishings, and equipment essential to your business – it also protects against the financial consequences of operational downtime resulting from such events.

Unlike standard, one-size-fits-all policies, this insurance offers the option to choose between a more traditional Multi-Risk cover or a broader All-Risks policy for enhanced protection.

Who is it for?
Businesses in the Services, Retail, and Industrial sectors.

What sets our cover apart:

• Option to upgrade to a full All-Risks coverage

• Competitive 2% deductible option for seismic events

• Coverage for electronic equipment used off-site, across all of Europe

• Furniture compensated based on new-for-old replacement value

• Extensive protection against storms, floods, theft, and burglary

Real-World Scenarios

💻 Off-Site Electronic Equipment
Members of a moulding company’s sales team travelled abroad to meet with an automotive manufacturer. During the trip, their laptops were stolen upon returning to the hotel. Thanks to our extended off-site electronic equipment coverage, the loss would have been fully covered.

🏗️ Warehouse Racking Collapse
A porcelain company rented a warehouse to store stock. Due to a forklift error, the racks collapsed, destroying the stored goods. The All-Risks policy would cover this kind of incident, ensuring financial protection.

🔥 Business Interruption Losses
A textile business suffered a fire that damaged the building and core machinery. Operations were halted for six months, during which they continued to pay wages, rent, and utilities. With our Business Interruption coverage, these costs would have been fully absorbed by the insurer.

🛢️ Accidental Spill
At a hydraulic oil storage facility, an employee failed to properly close a valve, resulting in dozens of litres leaking into the containment bay overnight. The contaminated oil was unusable, leading to additional disposal and replacement costs. With All-Risks coverage, this loss would be covered.