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NATURAL DISASTER & SEVERE DAMAGE PROTECTION FOR COMMERCIAL BUILDINGS
Specialist Insurance for Flood, Fire, Storm & Other Natural Hazards
Commercial properties face increasing exposure to extreme weather events, climate-related risks, and catastrophic building damage. Whether your building is a shop, office, warehouse, industrial unit, or mixed-use premises, Insure24 provides tailored insurance solutions to protect against natural perils such as flood, storm, fire, subsidence, lightning and more.
What Does Natural Hazard Cover Include?
Comprehensive protection for the most severe risks affecting commercial buildings.
- Flood Damage – River, coastal, groundwater & flash flooding
- Storm Damage – Roof uplift, structural damage, wind-driven rain
- Fire Damage – Accidental, electrical, arson, smoke damage
- Lightning Damage – Structural strikes & electronics failure
- Escape of Water – Burst pipes, leaks & internal flooding
- Subsidence, Heave & Landslip (selected policies)
- Impact Damage – Falling trees, vehicles, debris
- Business Interruption / Loss of Rent Extensions
- Storm & Flood Debris Removal
- Alternative Accommodation / Temporary Premises
Common Natural Hazard Risks for Commercial Properties
- Extreme weather causing roof or structural failure
- Flash flooding in retail or industrial areas
- Electrical fires or arson risks
- Water damage leading to mould, rot or business shutdown
- Storm-driven debris impacting buildings
- Increased flood risk due to climate change
- Lightning strikes damaging electrical systems
- Subsidence causing cracks, instability or collapse
Why Choose Insure24 for Natural Hazard Cover?
- Specialist solutions for high-risk flood & storm zones
- Access to insurers that accept previously declined risks
- Competitive pricing for low–medium hazard properties
- Customised cover for complex or mixed-use premises
- Business interruption extensions available
- Expert support for hazard mapping & risk assessment
- Portfolio discounts for multi-property owners
- Fast quotes & dedicated support
Suitable for All Types of Commercial Property
High-Risk Flood or Storm Areas
- Riverside shops & offices
- Industrial estates in flood plains
- Coastal commercial buildings
- Properties with prior flood claims
General Commercial Buildings
- Retail premises
- Office buildings
- Warehouses and logistics hubs
- Workshops, manufacturing & industrial units
Mixed-Use & Multi-Unit Premises
- Retail + office buildings
- Warehouse + production spaces
- Commercial portfolios
Properties with Prior Damage History
- Prior flood claims
- Previous fire or smoke damage
- Storm-related losses
- Subsidence concerns (select insurers)
FREQUENTLY ASKED QUESTIONS
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Is flood cover included automatically?
Not always - some insurers exclude flood cover for high-risk locations, requiring specialist underwriting.
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Does storm cover include roof damage?
Yes - storm cover typically includes roof uplift, wind damage and rainwater ingress caused by storm conditions.
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Is fire cover optional?
No - fire is included as a core peril on nearly all commercial property insurance policies.
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Can I get cover for a property with previous flood claims?
Yes - we work with specialist insurers who accept higher-risk flood zones or previous loss histories.
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Does natural hazard cover include business interruption?
Yes - loss of income or rent can be insured as part of the wider policy.