Commercial property insurance covers the insured's property against loss or damage caused by fire and allied perils.
What is Commercial Property Insurance
Commercial property insurance, alternatively known as Fire and Allied Perils insurance – protects your company’s physical assets from fire, explosions, burst pipes, storms, theft, vandalism, earthquakes and floods.
What’s covered
Commercial property insurance covers your building, everything in it and just outside of it, including:- Computers
- Furniture and equipment
- Exterior signs
- Fence and landscaping
- Important documents
- Inventory
- Others’ property
What’s not covered
This policy does not provide coverage for:- Accounts, Bills, Currency (and similar property), animals, automobiles held for sale, bridges, roadways, walk, patios or other paved surface, contraband, property being transported by air or over waterways, land, crops, underground property, most vehicles, expenses related to replacing company records and other property.
- Acts of war are not covered under most commercial properties.
- Damage by vehicles owned by the insured
What’s optional
Choose optional add-ons at an additional cost to create cover that suits you.- Political Violence and Terrorism: Cover against political violence and terrorism
- Business Interruption: Any expenses incurred or revenue lost as a result of a claim, such as rental income.
- Money: Cover can be extended to cover cash in transit, or cash on site
- Accident of Employees: It covers the employees of the organisation against bodily injury, which may result in disability or death
- Plate Glass: Covers accidental breakage of fixed plate glass
- Fidelity Guarantee: Covers loss of money or goods which happened due to fraud or dishonesty of employees.
Other types of insurance cover

All Risks Insurance
The widest cover for properties against loss or damage caused by any accident or misfortune ………….
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Buglary Insurance
Provides compensation when a property suffers loss caused by theft when accompanied by forcible breaking into.
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Electronic Equipment Insurance
Cover your property against loss or damage caused by any accident or misfortune
Read MoreINSURANCE POLICY
FAQ's
How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?
Tips
- Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
- Always keep valuables safely and locked out of site to protect against the risk of theft