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SMART BUILDING & BMS INSURANCE FOR MODERN OFFICE BLOCKS
Protect the technology that keeps your building running
BMS systems control HVAC, power, lifts, access control, lighting and energy management. A failure can disrupt tenants, create safety issues, or lead to severe property damage.
Why Smart Building & BMS Insurance is essential
As office blocks become more connected and automated, BMS failures and cyber-linked outages are increasingly common. Specialist cover protects building owners and managing agents.
- Protects IoT and sensor-driven building technology
- Covers mechanical, electrical and software-based BMS issues
- Helps manage system downtime and emergency repairs
- Supports multi-tenant office block requirements
- Reduces commercial and operational interruption risk
- Covers property and liability losses arising from control failures
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What Smart Building & BMS Insurance covers
Cover can be tailored around the systems and dependencies your building uses.
Core BMS cover includes:
- System hardware failure
- Software or programming malfunction
- Monitoring & automation system failure
- HVAC control failures
- Fire & safety system control errors
- Property damage from system malfunction
Optional extensions:
- Cyber protection for BMS / IoT devices
- Business interruption caused by BMS failure
- Loss of rent or increased overheads
- Cover for smart energy management systems
- Protection for tenant comfort control systems
- Inspection / engineering services (where applicable)
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Common Smart Building / BMS risk scenarios
Real incidents that affect modern automated office buildings.
Typical exposures include:
- Energy system malfunction leading to overheating
- Lighting control failure in shared areas
- Smart access system outage locking out tenants
- Fire safety control integration malfunction
- Automation failure causing HVAC shutdown
- IoT device cyber compromise
Suitable for:
- Office block owners & freeholders
- Managing agents and FM companies
- Smart building operators
- Commercial landlords
- Mixed-use building owners
- Corporate occupiers with onsite BMS systems
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“Our office block relies heavily on automation - Insure24 helped us protect our BMS and arranged cover that included failure, interruption and cyber risks.”
Facilities Manager – Smart Office BuildingFREQUENTLY ASKED QUESTIONS
+>- Does standard property insurance cover BMS failure?
Not usually. Property insurance may not cover the software, logic controls or automation system failures. Specialist cover is often required.
+>- Can cyber attacks affect Smart Building systems?
Yes. IoT devices and connected building systems are increasingly targeted. We can include cyber cover specifically for BMS technology.
+>- Does BMS cover include business interruption?
Yes, depending on the policy chosen. It can include interruption caused by BMS hardware or software failure, subject to terms.
+>- Is cover available for multi-building portfolios?
Yes. We can arrange Smart Building & BMS cover across multiple office blocks or mixed-use buildings under a single programme.