Buildings Insurance

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
All businesses are unique so to make sure you’re covered, get in touch with our team of experts.

"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"

Karl Stevens
Group Finance Director

Private Clients

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.

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Call Steve Mullins to discuss your needs

Our team are experts in arranging insurance solutions for your industry.

Other
Covers

Contingency

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Contractors All Risks

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Contents and Stock

If there was an incident at your business premises and you lose...

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Contract Works

Contract Works is designed for builders and tradesmen and provides cover for...

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Crime

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Cyber

A cyber policy is designed to provide support and protect your business...

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Directors’ and Officers’

Directors’ and Officers’, or D&O as it is often referred to, offers...

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Employers’ Liability, Public Liability and Product Liability

If you have employees then it is a legal requirement that your...

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Employment Practices Liability

Employment Practices Liability, sometimes referred to as EPL, provides cover to employers...

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Environmental Impairment Liability

Any incident that has a significant impact on the environment can be...

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Landlord’s Content’s

We offer tailored insurance solutions for Landlords. With buildings often having separate...

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Legal Expenses

Legal Expenses cover is provided as an extension to a number of...

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Legal Indemnity

Legal Indemnity offers protection for property purchasers primarily against issues that arise...

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Loss of Licence

Loss of Licence cover offers businesses protection against losses they may incur...

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Material Damage and Business Interruption

At Miles Smith we are constantly evolving our insurance offering to meet...

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Professional Indemnity

Professional Indemnity, sometimes referred to as PI, provides financial support for legal...

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Property Owners’ Combined

Whether you own a single residential or commercial property, or have a...

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Terrorism

Terrorism is now a very real and meaningful threat to many businesses....

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Trustee Indemnity

Trustee Indemnity cover offers protection for trustees and their charities in the...

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FAQs

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.

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