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Business Assets

The business assets insurance policy will define the insured perils and therefore only damage arising from these will be covered.

 

Many policies are now written on an all risks basis but many also only cover specified perils.

 

These would normally include:

  • Fire
  • Aircraft
  • Explosion
  • Earthquake
  • Riot
  • Civil commotion and malicious damage,
  • Storm
  • Flood
  • Burst pipes
  • Impact and theft

 

When arranging this type of insurance cover, it is really important to make sure that the sums insured are calculated accurately.

 

Cover for buildings and contents is usually arranged on a reinstatement-with-new basis and therefore the value insured should be calculated accordingly.

 

Do not use the written down values in your books.

 

The consequence of under insurance can mean that insurers will not meet a claim in full.

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