Smart Building & BMS Insurance

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Insurance for Building Management Systems (BMS), Smart IoT building controls, automation platforms, energy systems and sensor-driven technologies. Protect your office block from system failures, cyber disruption, property damage and business interruption.

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We work with leading UK property & technology insurers

  • Allianz insurance logo
  • Aviva insurance logo
  • QBE insurance logo
  • RSA insurance logo
  • Zurich insurance logo
  • NIG insurance logo

SMART BUILDING & BMS INSURANCE FOR MODERN OFFICE BLOCKS

  • Cyber and equipment cover icon

    SYSTEM FAILURE

  • Business interruption icon

    CYBER RISKS

  • Liability protection icon

    SAFETY CONTROL

  • Insurance cover icon

    PROPERTY DAMAGE

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 Building

FREQUENTLY 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.

Related Office Block Guides

Keep comparing the office-block pages most relevant to automation failure, core building systems, IT resilience and tenant continuity.

Building Systems

Digital & Operations

Wider Property Risks

Office block insurance review points

Office block cover should reflect the building's reinstatement value, tenant mix, occupation pattern, services, contractors and the way shared areas are managed.

For building management systems enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.

Building and tenant profile

  • Multi-tenant, serviced, medical, call-centre, technology or public-sector occupation
  • Lift, HVAC, glazing, server-room, solar, roof and building-management-system exposures
  • Unoccupied areas, high-risk tenants, maintenance contracts and facilities management

Cover areas to compare

  • Buildings, landlord contents, property owners' liability and loss of rent
  • Escape of water, fire, glass, engineering inspection and machinery-related cover
  • Service-charge disputes, contractors on site, compliance and reinstatement-cost adequacy

Renewal evidence

  • Rebuild valuation, occupancy schedule, lease obligations and service contracts
  • Fire, asbestos, electrical, lift, water and health-and-safety documentation
  • Claims history, planned works, tenant changes and unoccupied-period controls