Compare Business Contents Insurance Quotes

Business contents insurance, as the name suggests, is insurance for the contents of your business. With this kind of policy, physical items the company owns will be protected from damage, loss or theft. Although this may not seem essential, it’s recommended for peace of mind as accidents can happen. This insurance also protects your possessions against breakdowns, damage, storms, floods, fires, and even earthquakes. So, if the worst happens to any expensive items or assets, it’s good to know you’re covered.

Commercial business contents insurance can be taken out as a standalone policy, or as part of a combined insurance package, and can be tailored to suit your needs, meaning you can choose the type and number of items you’d like to protect. Typical items include fixtures and fittings, tools and equipment, stock, furniture, any goods in transit, and cash on premises.

Depending on the type of business contents insurance you opt for, you’ll get different types of cover. For example, indemnity contents insurance pays for exact replacements of stolen or damaged items, whereas new for old contents insurance replaces any damaged or stolen items with new versions. This is usually the preferred option for most businesses and is ideal if your items are of high value.

There isn’t one universal price when it comes to business contents insurance, this is because the prices are based off each individual company and their needs. The value of the contents you want to cover and whether you add any extensions will affect the overall price. The industry your business is a part of and past claims history will also affect the overall price. The easiest way to see the range of prices and find the best deal is to provide some simple details and then compare quotes from different companies.

There are other factors to bear in mind when choosing your policy. For example, certain policies will come as part of a commercial combined insurance package, such as business building and contents insurance, which covers both the property and its contents.

This commercial combined insurance package could also include liability insurance. Certain liability insurance is essential, such as employers’ liability insurance which covers you if an employee has an accident at work. This is a legal necessity if you employ someone. However, if you work alone or on a freelance basis, business contents insurance might be the best sole option.

To ensure that you have adequate cover, some policies will provide a seasonal uplift. This will provide you with peace of mind during busier periods, when you might be required to hold higher levels of stock such as Christmas time. It is important that you provide a correct estimate of your contents otherwise you could be underinsured.

Finally, if an item is damaged or goes missing, it’s important to ensure you’re covered for the cost of a replacement item. That’s because some companies may just reimburse you for the initial cost of the item, which could be considerably lower.

Whether you run your business from home, online, or on the high street, if you’ve got stock or business contents, you’ll need to get the right cover at the right price. You don’t want to overpay for insurance, but you need the peace of mind that you have the right cover in place if you ever have to make a claim.

The simplest way to run a business contents insurance quote is to tell us what you’re looking for and we’ll find what’s on offer. We’ll do all the hard work and compare commercial insurance, so you can get back to the day-to-day running of your business – saving you time and money. To get started give us a call on #CAMPAIGNBUSINESSSERVICENUMBER#, or leave a few details at the top of the page and we’ll call you back.