Commercial buildings insurance
OUR ASSESSMENT
Compare the declared rebuilding basis and property use before the premium. Separate the cost of reinstating the premises from replacing contents and meeting expenses while the business cannot trade.
Features to compare
- Hiscox's commercial buildings overview includes repair and rebuilding costs with related professional fees.
- It also describes trace-and-access and certain loss-prevention expenses, subject to policy terms.
Limitations and checks
- Wear and tear, routine maintenance and several gradual causes are excluded in the published overview.
- The buildings section should not be assumed to cover computers, equipment or indirect trading losses.
The question to ask
Does the rebuilding amount include professional fees and relevant costs, and which contents and interruption sections are separate?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.