A Guide to Business Contents Insurance

Robert Brown • June 28, 2019

You have invested money and years of hard work into making your business successful. With success comes more physical contents on your business premises, all of which are essential to your business’ ability to continue to trade.


If you own a business with an office environment, you might have tens of thousands of pounds worth of computer and office equipment. If you're a manufacturer, you might have years’ worth of stock and valuable specialist equipment.


If your business is hit by a devastating accident, can you continue to trade without your equipment and stock? Business contents insurance will cover your business in the event that you incur losses from a number of events, such as:

  • Civil disorder, malicious damage and riots
  • Damage caused by a lightning strike
  • Fire damage
  • Flood damage
  • Storm damage
  • Theft from your premises


A typical business contents policy will cover losses to your:

  • Equipment
  • Fixtures and fittings
  • Furniture
  • Stocks of raw materials and finished goods
  • Tools


Some business will also need extra cover for industry specific risks, such as:

  • Cash Kept on Premises
  • Goods in Transit


You may also need to consider taking out separate insurance policies for your business premises and any motor vehicles you own.


Every business has different needs, and every insurer has a different idea of what comes as a standard. We can discuss your needs so that we can understand the levels and the breadth of cover that you require, to ensure that you get the perfect cover for your business.

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