Buildings insurance protects your business’s property should it be damaged by fire, flood, burst pipes or storms and other named perils (impact, lightning etc). If you own the building your business operates from, or if you’ve made changes to rented premises, Buildings Insurance is a must.
Without the right insurance in place, if your property does suffer damage you’d have to pay the repair costs yourself and, in the worst case, you may not be able to continue to trade. It’s also important to make sure your building is insured for the full rebuild cost, including any fees and the cost of site clearance, and not just the market value.
- What’s typically covered?
- Accidental damage cover
- Cover for standard risks such as storms, floods and fire
- Rebuilding costs, which includes all professional fees and associated costs
- Trace and access, cover for the cost of locating damage to cables, underground pipes and drains
"Miles Smith staff are friendly, extremely approachable, responsive and very much work with us, allowing us to get on with the day-to-day running and growth of our business"
Group Finance Director
A Miles Smith high-net-worth client was victim to an aggravated burglary at her property and suffered severe bruising and injury to her body.Read more
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Can you create one policy for all my contents?
Yes, we can. Our process involves a thorough appraisal of all your contents, whether that’s a fine art collection or prestige cars, before creating a bespoke policy that is designed just for you.
Can you cover my property outside of the UK?
Our policy can cover holiday homes throughout the world. We will work with you to understand the unique risks in the country where your holiday home is before creating cover that keeps your holiday home protected.