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Fire, Flood & Property Damage Insurance for Offices
Fire and flood are among the most serious risks facing commercial office properties. Even a single incident can cause extensive structural damage, destroy contents and force long-term closure.
Fire, Flood & Property Damage Insurance from Insure24 provides financial protection for office buildings and property assets following major insured events.
This cover is essential for office owners, landlords, property managers and serviced office operators seeking to protect their investment and business continuity.
What Is Fire, Flood & Property Damage Insurance?
This cover forms a core part of commercial property insurance, protecting buildings and insured property against sudden and unexpected damage.
Major Insured Events
- Fire, smoke and explosion
- Flood and surface water
- Escape of water from pipes or tanks
- Storm and weather damage
- Impact and accidental damage
What Can Be Damaged
- Office buildings and structures
- Electrical and mechanical systems
- Fixtures, fittings and glazing
- Internal finishes and partitions
Who Needs Fire & Flood Cover?
- Commercial office landlords
- Freeholders and building owners
- Serviced and managed office operators
- Property management companies
Landlord vs Occupier Responsibilities
Insurance responsibilities for fire and flood damage are often split between the building owner and the occupiers.
Landlord Responsibilities
- Insuring the building structure
- Communal and shared areas
- Core services and installations
Occupier Responsibilities
- Office contents and equipment
- Business interruption cover
- Internal fixtures and fit-outs
Business Interruption Following Fire or Flood
Fire and flood incidents often result in extended downtime. Business interruption insurance can help protect rental income or trading profits while repairs are completed.
- Loss of rent for landlords
- Loss of trading income for occupiers
- Ongoing fixed expenses
- Extended indemnity periods
FREQUENTLY ASKED QUESTIONS
+-Does property insurance include fire and flood?
Yes. Fire and flood are core insured risks under most commercial property insurance policies.
+-Is escape of water covered?
Yes. Escape of water from pipes or tanks is typically included, subject to policy conditions.
+-Does flood insurance cost more?
Premiums may be higher in flood-risk areas, depending on location and past claims history.
+-Is loss of rent covered after fire damage?
Loss of rent can be covered if business interruption or loss of rent cover is included.
+-Can cover start immediately?
Yes. Cover can usually start immediately once your quote is accepted and payment is confirmed.