What is business contents insurance?
As a trade business owner, you will likely rely on equipment like PCs and telephones to run your company on a day-to-day basis. However, if any of these are stolen or damaged beyond repair, it can make it extremely difficult to continue operating. Not only would it affect your ability to keep things running efficiently, but could also lead to unexpected costs that make a huge dent in your bottom line.
Business contents insurance is designed to cover items you rely on—excluding any technical tools and equipment you use on the job, like hammers, screwdrivers, and drills—should the worst come to the worst. Items covered include PCs, desks, furniture, and telephone systems. Tradesman Saver gives you wide-ranging, all risks cover if this equipment is stolen, destroyed, or damaged.
Why do you need business contents insurance?
What would you do if your home office was destroyed by a fire and you lost all of your business equipment? Or if your premises were broken into and the entire contents were stolen? Either way, you would be left without this vital equipment, and forced to foot a hefty bill to replace it. This is exactly why business contents insurance is so important.
Having business content insurance in place ensures that, should your business contents be destroyed, damaged, or stolen, your insurer will pay the replacement costs. Meaning your business remains ship-shape and your projects run on time.
Please note that business contents insurance is an optional cover that you can add to your policy.
Tradesman Saver’s Business Contents Cover
Our Business Contents cover includes:
- Up to £20,000 all risks cover
- Cover available in multiples of £5,000
- Contents covered at the premises in connection with your business
- Base cover includes public liability insurance
Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.
As part of this standard package, you also get public liability and products liability cover to provide protection should your business activities or products injure somebody, as well as cover for up to £250,000 worth of legal expenses. This also protects you in a wide range of scenarios, like the accidental death of an employee or if you face action over financial losses caused to a third party.
Our business contents insurance cover starts at £5,000 and can be increased in steps of £5,000 as needed – and up to £20,000. Should you need higher limits of cover, give us a call, and we’ll be happy to arrange a suitable package.
Online & Anywhere
We like to keep things simple. Your quote, purchase & documents are all available online, anytime.
No need to wait for your documents. You’re covered from the moment you purchase.
Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.
Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.
Business Contents Insurance
Business Contents Insurance: Frequently Asked Questions
What does business content insurance cover?
Business content 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.
Why is business contents insurance important?
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.
How much is business contents insurance?
You can add business contents insurance to your Tradesman Saver policy for as little as £15. 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.
Can I get business contents insurance only?
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.
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims
nice service easy to use and cheapest i found
It is very easy to use, and i am very happy. Thanks