Business Property Insurance
Protect premises, stock and equipment, and consider how the business would continue after an insured disruption.
Cover overview
What this cover can help protect
- Buildings and fixed installations against fire and other insured perils
- Stock, equipment and business contents against theft or damage
- Business interruption — lost income and ongoing costs after a covered loss
- Machinery and equipment breakdown, on some policies
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- You've opened or expanded your premises
- You hold significant stock or equipment on-site
- A property loss would seriously disrupt your revenue
- Your cover hasn't been reviewed since you grew
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
What's the difference between property cover and business interruption cover?
Property pays for physical damage; business interruption covers the lost income and costs while you recover. Many businesses need both.
How is the sum insured determined for stock and equipment?
It should reflect realistic replacement value, not book value — we work through this before approaching insurers.
Are exclusions and limits the same across insurers?
No — they vary by insurer and wording. We compare suitable options and explain the differences plainly.
Can cover be arranged for multiple locations under one policy?
Often, yes, depending on the insurer and your business — we can discuss what fits.
Let’s find out what suitable property cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.