Flood, Fire, Storm, Theft & Property-Damage Risk Cover

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Protect your business premises, equipment and stock from major risks including fire, flooding, storms, escape of water, theft, vandalism and accidental damage.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

PROTECTING YOUR BUSINESS FROM MAJOR PROPERTY RISKS

Your Business Premises & Assets - Fully Protected

Property damage is one of the biggest financial risks for UK businesses. Whether your premises are impacted by extreme weather, fire, water escape, criminal activity or accidental damage, our commercial property-risk cover ensures your business can recover quickly and continue trading.

What Does Property-Damage Risk Cover Include?

Flexible, comprehensive protection for buildings, contents, stock and equipment.

  • Flood, storm & weather-related damage
  • Fire, smoke & explosion
  • Escape of water (burst pipes, leaks)
  • Accidental damage to buildings or contents
  • Theft of contents, stock or equipment
  • Vandalism or malicious damage
  • Stock, goods and inventory protection
  • Fixtures, fittings, machinery & equipment
  • Glass, signage & shopfront damage
  • Temporary site structures (optional)
  • Business interruption (optional add-on)
  • Debris removal & reinstatement costs
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Who Needs Property-Damage Risk Cover?

Suitable for businesses of all sizes, from offices and retail units to warehouses and industrial facilities.

Commercial & Retail Premises

  • Shops & retail units
  • Offices & shared workspaces
  • Warehouses & distribution units
  • Restaurants, cafés & bars

Industrial & Specialist Sites

  • Factories & workshops
  • Manufacturing plants
  • Construction & contractor premises
  • Storage yards & compounds
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Why Choose Insure24 for Property Damage Cover?

  • Quotes from leading UK property insurers
  • Tailored cover for high-risk or flood-prone areas
  • Competitive premiums for all property types
  • Expert claims support for major losses
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FREQUENTLY ASKED QUESTIONS

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Does this cover flooding and severe weather?

Yes - flood and storm damage are standard features of most commercial property policies, with enhanced cover available for high-risk locations.

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Is fire and smoke damage included?

Yes - fire, smoke and explosion are core insured events included in all commercial property-damage risk cover.

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Does this include escape of water?

Yes - escape of water from burst pipes, leaks or malfunctioning equipment is covered under standard property damage sections.

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Is theft or vandalism covered?

Yes - theft, attempted theft, break-ins, malicious damage and vandalism are covered, with optional upgrades for high-value stock or equipment.

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Can business interruption cover be included?

Yes - business interruption can be added to protect loss of income following an insured property-damage event, including fire, flood or storm.

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