Property Buildings Insurance

WHAT IS PROPERTY AND BUILDINGS INSURANCE Buildings and contents can be insured against fire, lightning, explosion of gas and boilers used for domestic purposes without the addition of special perils such as explosion, riot, malicious damage, storm, flood, impact by aircraft, road and rail vehicles, escape of water from tanks or pipes and sprinkler leakage. 'All risks' insurance gives wider cover including any accidental damage or loss not specifically excluded. However 'all risks' will not cover wear and tear, electrical or mechanical breakdown and gradual deterioration which will be specifically stated in the policy document. The business premises should be insured for their full rebuilding cost (including professional fees and the cost of site clearance) and not just for their market value. You may need expert advice to calculate the rebuilding cost, which often differs significantly from market value. .

Our specialist insurance department is able to help you to insure against just about anything, from individual high value items and works of art to livestock, protection against hacking to defamation. Our knowledgeable insurance advisers have extensive links to the UK's leading underwriters and no matter what it is you are looking to insure, we are confident we will be able to provide a quotation.