Buildings
Discuss reconstruction, professional fees and the property responsibilities in the lease.
BUSINESS & PROFESSIONAL
Commercial property. Explained.
Match building, equipment and stock protection to the real cost of rebuilding and replacing business assets.
Start with what you need covered.
Commercial property cover can address buildings and business contents, depending on the sections bought. Separate ownership and lease responsibilities from the assets the business uses. Replacement and rebuilding values should be reviewed when equipment, stock levels or construction costs change.
UNDERSTAND THE OPTIONS
Different arrangements. Different details.
Equipment and contents
List business-owned and hired assets, including where they are used.
Stock
Check peak values, storage locations and any seasonal increases.
BEFORE YOU CHOOSE
Four conversations worth having.
Valuation basis
Are values based on the policy’s rebuilding or replacement basis?
Locations
Are assets at customer sites, in transit or at home within scope?
Conditions
Can the business meet alarm, security, maintenance and unoccupancy requirements?
Recovery
Is income lost during reinstatement insured under a separate interruption section?
Compare an actual offer
These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
See how cover connects.
All insurance ↗Business interruption
Understand the event that triggers cover and the time the business may need to recover its income.
Explore cover ↗Business insurance
Build a cover plan around your work, people, premises and customers instead of a generic business label.
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Separate the rental building, your liability and rental income risks before comparing a landlord policy.
Explore cover ↗