What is building insurance?
Building insurance will insure you against damage to the insured building, including outbuildings or annexes, landlord’s fixtures and fittings, walls, gates, fences and car parks.
What does a building insurance claim look like?
Buildings insurance will cover you against losses caused by damage to the insured building. Examples of this could be; fire at the property resulting in significant fire and smoke damage, or flood and water damage and any costs you incur to protect the building from imminent insured damage. The policy also covers damage caused by the escape of water and much more. You can read our policy wordings to see what is covered.
Which wedding and event businesses require building insurance?
Any business that owns buildings or is legally responsible for buildings should consider buildings insurance such as a bridal shop, florist shop, or a wedding car provider with garages.
Does building insurance cover professionals who work from home?
Our policies insure commercial buildings used to operate your business and also garden offices, sheds and annexes if this is where you work from or keep stock.
Please note that if your home insurer is not aware that you work from home and you need to make a claim in the future, it may have consequences, so it’s always worth checking. If you have clients visit your home or garden office, this may alter your home insurance cover as additional people coming to your house could be more of an insurance risk.
Is it a legal requirement?
Buildings insurance is not a legal requirement but it is advisable. Consider how you could afford to rebuild your commercial premises or garden office if it is damaged or destroyed.