Buildings and contents can be
insured against fire, lightning, explosion of gas and boilers
used for domestic purposes without the addition of special
perils such as explosion, riot, malicious damage, storm, flood,
impact by aircraft, road and rail vehicles, escape of water
from tanks or pipes and sprinkler leakage.
'All risks' insurance gives wider cover including any accidental
damage or loss not specifically excluded. However 'all risks'
will not cover wear and tear, electrical or mechanical breakdown
and gradual deterioration which will be specifically stated
in the policy document.
The business premises should be insured for their full rebuilding
cost (including professional fees and the cost of site clearance)
and not just for their market value. You may need expert advice
to calculate the rebuilding cost, which often differs significantly
from market value |
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To go to the business insurance quote supersite click HERE
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