Business Contents Insurance

Business contents insurance covers you if your business contents are lost, stolen, or damaged. Situations that might result in a claim include theft, malicious damage, fires, flooding, and lightning or storm damage.

Whether your standard business insurance policy covers the contents of your business premises depends on the insurer and the type of cover you have chosen. You may need to take out an additional business contents insurance policy to ensure you are fully protected. Here at Tradesman Saver, we can provide business contents insurance to protect your business assets, including stock, equipment, and computers.

Business contents insurance generally does not cover deterioration or wear and tear, intentional damage, or loss of money or documents. It also doesn’t usually provide protection against consequential losses such as loss of income due to a claim being made. However, if you’re looking for more information on exactly what your business contents insurance will cover, don’t hesitate to get in touch with our experienced team.

Many business owners overlook their contents, and focus on covers like public liability and legal expenses instead. But without investing in business contents insurance, your company could be seriously hampered if you suddenly find yourself without essential office equipment like your PCs and telephones. You may be unable to afford any replacements, potentially forcing you to let clients down. Even if you can afford them, this will still eat into your hard-earned profits. Business contents insurance ensures that you’ll never be faced with these predicaments.

You can add business contents insurance to your Tradesman Saver policy for as little as £13. This is based on £5,000 of cover for a sole trader with 5 years trading experience and based in Devon The final cost of your policy will depend on factors like the level of cover you select, the location of your premises, and the type of business you run.

No, business contents insurance is only available as an optional extension to our standard policy, which includes financial loss, products liability, legal expenses, and accidental death cover. Here at Tradesman Saver, we are proud to offer some of the most comprehensive insurance policies and lowest rates to protect your business. Our policies can be tailored to meet the needs of most trades, so you can feel confident that you have all the cover you need. So why not add business contents insurance to your policy today? It’s quick and easy – just get in touch with one of our friendly team members who will be more than happy to provide you with a quote.

Again, while this depends on your exact policy wording, you can get business contents insurance to protect equipment in your office, including office furniture. This type of cover also protects any items that you may need to carry out your business activities, such as laptops or other computer equipment. If you’re a tradesperson, than it’s likely you’ll be on the move, even if you do have a permanent office location. The flexibility of business contents insurance means you can protect your specialist equipment, computers, work phones and more while on the job.

If you’re a mobile business, such as a hairdresser or other kind of tradesperson, then business contents insurance will cover the items you take with you on the job. This includes specialist equipment, computers, work phones and more. Depending on your policy wording, it could even cover damage to items while they’re in transit or at a customer’s premises.

Typically, business insurance won’t protect your personal belongings, even if they are damaged or stolen while on the job. To cover personal items, you’ll need to take out personal contents insurance. At Tradesman Saver, we can provide cover for a wide range of tools and equipment types, so we may be able to provide tailored cover which includes some of your personal belongings you regularly use on-site.

Business contents insurance typically won’t cover damage caused by wear and tear or maintenance issues. It generally also won’t cover money, contracts and documents that have been lost or damaged. Generally, these would be covered by a business interruption insurance policy. Additionally, some types of damage may be excluded due to the specific conditions of your policy. It’s important to thoroughly review the terms and conditions of any policy before you take it out.

The amount of cover you need for your small business depends on the value of the equipment that you possess. It’s important to consider the cost of replacing all equipment, as well as any associated costs such as installation and removal. Your insurance should cover the full replacement cost of all items – so make sure you accurately assess the value before taking out a policy.

Yes, we can. While the bulk of our policy documents are geared towards tradespeople, we may be able to offer combined commercial cover to protect your stock. Commercial contents insurance is usually introduced as part of a larger, more comprehensive policy, than purchased on its own. If you’re not sure whether you need this stock insurance, don’t hesitate to get in touch today. We may be able to offer business contents insurance quotes at significantly lower prices than you’re already paying.