Commercial buildings and contents insurance

Buildings insurance is not legally required, but often property finance providers will mandate it as part of their terms. However, by law, you must have employers' liability insurance if you employ staff. Additionally, it's highly recommended to have public liability insurance to protect against potential injury claims on your property, as failure to do so could result in costly legal disputes. 

This should be checked with your landlord, as some landlords like to arrange insurance for the building, as well as core contents such as fixtures and fittings. This may not always be the case, however, and wouldn’t usually protect your contents and stock as the tenant.

If this is cover that you specifically need, we as your partner will be able to help you find a building, contents and damage policy that will best align with these requirements. 

Even in recent years, we have seen an increase in weather extremes in the UK. In 2022, we saw not only one of the worst storms in decades in Storm Eunice, but also the hottest day since records began in the space of a few months. Therefore, not protecting your premises and contents against extreme weather could become riskier as time goes on.

While this may not be included in a standard plan, as your broker, NFP will take the time understand any extra coverage that your business may need such as this. We can then support you to find a policy, or policies, that will truly meet all of your requirements, from the standard to the more niche and complex.