Over-insurance is a waste of money and under insuring property will ultimately cost you a great deal should you ever need to make a claim. Just as it is important to cover your premises for the right type of protection it is also important to make sure that you insure for the correct value.
Some of the protection available:
- Property Damage Perils can include Fire, Lightning, Explosion, Aircraft, Riot, Civil Commotion & Malicious Damage, Earthquake, Storm/Flood, Escape of Water, Impact excluding own vehicles, Theft, Glass & Accidental Damage.
- Cover is available for the buildings and any contents contained within.
- Public/Property Owners Liability This covers third party property damage or injury claims brought against the insured by a third party as owner of the property. Examples could include a slate falling from the roof and causing injury to a third party.
- Employers Liability This covers claims brought against the insured as owner of the property for death, injury or illness of an employee working on the property. Examples include a temporary employee carrying out minor property repairs or a cleaner.
