Temporary Closure & Refurbishment Insurance for Workshops

Insurance protection while your workshop is closed, vacant or undergoing refurbishment

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

COVER FOR CLOSED & NON-TRADING WORKSHOPS

  • VACANT PREMISES

  • REFURBISHMENT WORKS

  • FIRE & THEFT RISK

  • CONTINUOUS PROTECTION

Why Temporary Closure Insurance Is Essential

When a workshop is closed or undergoing refurbishment, standard insurance policies often restrict or remove cover due to increased risk. Temporary Closure & Refurbishment Insurance ensures your premises, machinery and contents remain protected during non-trading periods.

What Temporary Closure & Refurbishment Cover Includes


  • Fire, flood and storm damage during closure
  • Theft, vandalism and malicious damage
  • Unoccupied or partially occupied premises
  • Tools, machinery and fixtures left on-site
  • Cover during refurbishment or fit-out works

When Do Workshops Need Temporary Closure Cover?


  • Temporary shutdowns or seasonal closures
  • Refurbishment, upgrades or reconfiguration
  • Relocation or premises handover periods
  • Change of ownership or tenancy
  • Extended non-trading periods

FREQUENTLY ASKED QUESTIONS

+-What is temporary closure insurance?

It provides cover for workshops that are closed, vacant or partially occupied, where standard insurance may restrict or exclude protection.

+-Does refurbishment increase insurance risk?

Yes. Refurbishment and fit-out works increase fire, theft and liability risks, which often require specialist insurance cover.

+-How long can a workshop be closed?

Many insurers restrict cover after 30 days of non-occupation. Temporary closure policies are designed for longer closure periods.

+-Is theft and vandalism covered?

Yes. Policies can include cover for theft, vandalism and malicious damage while the workshop is closed or under refurbishment.

+-Can this cover be combined with other workshop insurance?

Yes. Temporary closure cover is often arranged as an extension or standalone policy alongside other workshop insurance.

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