What is Commercial Property Insurance?
Property insurance is very common with most householders having cover for their own dwellings, but when you running a business from a premise how do you make sure that you are covered for all aspects of damage. Commercial Property Insurance can cover your bricks and mortar for your business and this even extends to factories, warehouses and even more complex premises such as listed buildings, castle ruins or even the local bingo hall.
Why would I need Commercial Property Insurance?
When running a business from a premises it is generally up to the owner to make sure the premises are well maintained and so all repair and maintenance work would have to be paid for by the company themselves. In this ever changing and challenging environment it is not always financially astute to cover all damages yourselves and this could include full rebuild should anything severe happen to the premises. In the event of any damage to your property whether it be by malicious acts or other means the commercial property insurance would cover more than most eventualities. If the property is on a mortgage then your bank of mortgage provider would require an adequate policy that would cover you in the event or a claim.
What do I need to get a competitive Property insurance quote?
In all circumstances for property insurance you generally need the basic information about the property such as when it was built, what it is made of and how much it would cost to rebuild. This added to questions relating to the occupation of the property and claims history is generally needed to provide an accurate quotation. All our policies are tailored for each customer and so we offer a product that is suited to you and only you.
Who can obtain Property Insurance?
Well the easy answer is anyone who owns a premise. The business owner can and should the person looking for cover as ultimately this is the person paying for the cover. We can provide cover for leaseholders as well as freeholders and we can cover all types of properties in the UK. Call the specialists on 01606 48521 or email info@crs-consultants.com
What types of cover can I get for my Property insurance quote?
The most basic (and cheapest) insurance cover that you can get is basic Fire cover. Most commercial customers decide to purchase full ‘all risks’ cover which can be extended to include more unusual risks such as subsidence or damage caused by terrorism (typically excluded under many commercial property policies).
As well as covering the buildings a property policy can be extended to include: -
• Contents for which you are responsible
• Property Owners Liability
• Loss of rental income following damage to the property
• Legal Expenses
How long should a Property quotation process take?
Whilst CRS Consultants have arranged property insurance in less than an hour when required we would normally prefer to take a couple of days to properly research the market and find the best deal available that meets your exact cover requirements.
Why Choose the Insurance Provider CRS Consultants?
When looking around for Insurance of this type it is easy to put your details on the internet and search through different providers and different products as we know that no two policies cover the same levels and so by getting an independent insurance broker involved means that they will do the searching and they then will point out any clauses that they feel relevant to your risk.
CRS Consultants Ltd have built up an enviable reputation of offering high quality affordable products and are developing areas in which we feel we can go that extra mile for our customers. Our constant investment in our quality staff keeps us ahead of our competitors and ensuring that we are fully updated with any regulation changes for all types of trades means you will generally speak to a specialist in your area of expertise to marry up your proposal.
The time taken by our dedicated commercial team will assure you that no matter what you are looking for in terms of your business needs an affordable solution can be attained.