Contents, Fixtures & Equipment Cover

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Protect the fixtures, fittings, machinery, tools & business equipment inside your commercial premises.

We compare quotes from leading insurers

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

Protect the Assets Inside Your Premises

Fixtures, fittings, tools, machinery and general business contents are vital to your operations. Damage from fire, theft, water leaks or accidents can cause major disruption. Insure24 provides comprehensive contents & equipment cover tailored to commercial buildings.

What Contents & Fixtures Insurance Covers

Flexible cover for the items inside your commercial building.

  • Office contents (computers, desks, furniture, IT equipment)
  • Retail stock, shelving, displays & tills
  • Restaurant & hospitality fixtures (kitchen equipment, POS, refrigeration)
  • Industrial tools, plant, workshop machinery & machinery controls
  • Tenants’ improvements and fixed installations
  • Accidental damage & malicious damage
  • Theft & attempted theft (with required security measures)
  • Business interruption (optional add-on)
SPEAK TO A COMMERCIAL PROPERTY SPECIALIST GET CONTENTS AND FIXTURES QUOTES

Common Risks Affecting Business Contents

Commercial premises face a range of risks that can damage internal assets.

  • Theft & break-ins
  • Escape of water & burst pipes
  • Fire & smoke damage
  • Flooding & storm damage
  • Electrical faults damaging equipment
  • Employee or customer accidental damage
  • Vandalism & malicious damage
  • Stock spoilage (optional)
SPEAK TO A COMMERCIAL PROPERTY SPECIALIST GET CONTENTS AND FIXTURES QUOTES

Why Choose Insure24

  • Cover for all types of commercial premises
  • Specialist support for landlords, SMEs and tenants
  • Competitive pricing with tailored limits
  • Fast claims support from experienced brokers
  • Add-ons available for stock, tools & business interruption
  • Quotes from trusted UK A-rated insurers
SPEAK TO A COMMERCIAL PROPERTY SPECIALIST GET CONTENTS AND FIXTURES QUOTES

FREQUENTLY ASKED QUESTIONS

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What counts as business contents?

Business contents include movable items inside your premises such as furniture, tools, stock, IT equipment, POS systems, machinery and electronics.

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Are fixtures and fittings covered automatically?

Yes - fixtures such as lighting, built-in counters, shelving, kitchen units and tenant improvements can be covered as part of your policy.

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Does the policy cover theft?

Yes - theft and attempted theft are covered, provided minimum-security requirements are met (e.g. locks, alarms, shutters where required).

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Can I insure high-value equipment?

Absolutely - high-value tools, machinery, electronics and specialist equipment can be insured with tailored limits and valuations.

Related Commercial Property Guides

These are the strongest next pages when contents and fixtures cover needs to be lined up with property risks, theft exposure, interruption concerns and the wider insurance structure for the premises.

Core Commercial Property Pages

Core Product Links

Related Property Paths

More Commercial Property Insurance Topics

Contents and fixtures cover fills the gap between structural insurance and the movable or installed assets inside a building. These guides connect contents protection with theft, plant, landlord responsibilities and broader policy-planning pages across related cover and guidance pages.

Contents and Installed Assets

Ownership and Tenancy

Policy Planning