Overview
Commercial insurance protects your business premises, stock and equipment, and your liability to customers and visitors, so one bad event does not stop your business.
What is usually covered
- Fire and allied perils
- Burglary and theft
- Stock, machinery and equipment
- Public and product liability (with add-on)
- Business interruption (with add-on)
What is usually not covered
- Losses from poor maintenance or negligence
- Wear and tear and gradual deterioration
- Items not declared in the policy
Who needs it
- Shop and showroom owners
- Small factories and workshops
- Offices and clinics
Frequently asked questions
Should I insure for market value or cost price?
This depends on the policy type. We help you pick the right basis so a claim is not reduced later.
Can I insure stock that changes every month?
Yes, there are declaration-based options for fluctuating stock.
Exact cover, exclusions and limits vary by insurer and plan. Always read the policy wording before buying.