Business Contents
Insurance

What is Business Contents Insurance?

Business Contents Insurance protects your business assets, including furniture, stock, and equipment, against risks such as theft, fire, and accidental damage. Whether you run a shop, office, warehouse, or home-based business, this insurance ensures your essential assets are covered, preventing financial loss.

For small businesses, retailers, office-based companies, and large enterprises, Business Contents Insurance is crucial to safeguarding valuable business equipment and stock.

Who Needs Business Contents Insurance?

Any business that owns physical assets should consider Business Contents Insurance. This includes:

• Retailers & Shop Owners – Covers stock, display items, and store equipment against theft and damage.
• Office-Based Businesses – Protection for desks, computers, and office furniture.
• Warehouses & Storage Facilities – Ensures stock and inventory are covered in case of unforeseen damage.
• Hospitality Businesses – Covers fixtures, fittings, and stock for restaurants, cafés, and hotels.
• Self-Employed & Home-Based Businesses – Protection for business assets used in a home office or workspace.

Why is Business Contents Insurance Important?

Replacing stolen, damaged, or lost business equipment can be costly. Without proper insurance, unexpected losses could disrupt operations and impact your ability to trade.

Common risks that Business Contents Insurance protects against include:

• Theft & Burglary – Covers the cost of replacing stolen business assets.
• Fire & Flood Damage – Protection for stock and equipment damaged by fire, water leaks, or floods.
• Accidental Damage – Covers repair or replacement costs if business equipment is damaged unexpectedly.
• Vandalism – Protection against malicious damage to business premises and contents.

What’s Covered in Business Contents Insurance?

Business Contents Insurance policies typically include:

• Stock & Inventory – Covers the cost of replacing business stock.
• Business Equipment – Protection for computers, furniture, and specialist equipment.
• Fixtures & Fittings – Covers permanent fixtures such as shelving and counters.
• Replacement Costs – Ensures assets are replaced with equivalent new items.

What’s Not Covered?

• Damage to the building itself – Covered under Business Building Insurance.
• Loss due to wear and tear or neglect.
• Employee or public liability claims.

Additional Cover You May Need

Depending on your business type, you may need additional cover such as:

• Business Building Insurance – Protect your premises from structural damage.
• Employers’ Liability Insurance – Cover for employee injuries or illness.
• Business Interruption Insurance – Income protection if your business operations are disrupted.
• Directors’ & Officers’ Liability – Covers legal costs for company directors in the event of cyber-related lawsuits.

At Insurably, we have access to 100s of insurer markets, meaning that no matter how unique your requirements are, we know where to find the right cover to suit you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.