Whether you own a single shop, residence or factory or you’re amassing a large portfolio, the last thing you want is for your insurance to hinder rather than support your investments.

Through RAC Business Insurance, our trusted partners cover properties let to professionals, students and DSS tenants. Property Owners’ Liability cover is also available.

Common covers are:

• Buildings insurance

Protects you from the costs of damage caused to your building by a range of risks such as fire, malicious damage, or flooding.

• Contents cover

Protects your contents/stock from theft or being destroyed by a range of risks such as fire, malicious damage, or flood.

• Loss of Rent cover

Provides cover for a specified period for loss of rental income following damage to your rental property, caused by a range of risks such as fire, malicious damage, or flooding. The period you select will depend upon the type and complexity of property.

• Property Owner’s Liability

Provides cover for legal expenses should someone sue you as a direct result of your property causing them injury.

• Public Liability

Covers your legal responsibility for injury caused to the public or damage to their property due to fault of you or your staff.

• Employers’ Liability

Required by law if you have any employees and protects your legal responsibility for accidental death or bodily injury caused to your employees arising out of activities connected to your business.

Bespoke commercial insurance policies may have limitations and exclusions. Please make sure you read all the documentation as soon as you receive it to confirm you’re happy with the cover provided.

Why choose us?

• Tailor made policies to suit your individual business.
• UK business centre.
• Competitive premiums.
• Immediate cover available.
• Fast and friendly service from highly trained and expert staff.
• Cover available for individuals, small- and medium-sized businesses.

Optional Extras

• Option to add reimbursement of rent in the event of an insured risk, such as fire.
• Alternative accommodation should the property become uninhabitable.
• Cover for periods of unoccupancy, such as in between tenancy agreements.
• Option to insure against accidental damage caused by tenants.

All cover is subject to insurers’ underwriting criteria and full terms and conditions, which are available on request.

 

You have a legal obligation (as a buyer of commercial insurance), to disclose information before entering (or changing) a contract of insurance. We call this your duty to make a Fair Presentation of Risk.

It means that when you seek insurance, you need to volunteer and disclose all material information that is known by you (or should be known by you), which an insurer would want to know when it’s deciding whether to offer insurance cover and, if so, on what terms and at what price.

You need to make sure that facts are correct or substantially correct, and statements of expectation or belief are made in good faith.