Assess premises, equipment, stock and income at risk if operations stop.
01What assets would need replacing?
02How long would recovery take?
03Which dependencies could stop your business?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
List equipment, stock, fixtures and assets held at third-party premises. Compare replacement or current-value settlement and check seasonal stock peaks. Separate buildings from contents and identify which losses are covered: fire, water, theft, natural events and technical breakdown are not automatically one package.
Property cover repairs insured assets; interruption cover addresses specified financial consequences. Estimate lost gross profit, continuing expenses and extra costs using the policy’s definitions. Choose a recovery period that includes rebuilding, replacement machinery and rebuilding the customer base, not only the physical repair.
Map key suppliers, utilities, cloud providers and single machines. Ask whether losses without physical damage or damage at a supplier are covered and subject to sublimits. Set a practical continuity plan for alternative premises, replacement equipment and emergency contacts.
| Option or layer | What to understand and check |
|---|---|
| Property damage | Repair or replacement after a covered event. |
| Business interruption | Financial loss with the required trigger and indemnity period. |
| Additional expenses | Specified recovery costs, with approval rules and limits. |
No. Check the insured trigger, exclusions, waiting period and maximum indemnity period.
Business interruption often depends on a covered property event.
Choose an indemnity period that reflects realistic recovery time.
Review stock fluctuations, machinery, suppliers and exclusions.
A practical review of internal pipe leakage, surface water, sewer backup and vulnerable basement stock, with a hypothetical scenario and a contract comparison framework.
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A practical review of forced entry, authorised visitors, portable devices and goods outside the premises, with a hypothetical scenario and a contract comparison framework.
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A practical review of landlord buildings, tenant fixtures, leased equipment and restoration responsibilities, with a hypothetical scenario and a contract comparison framework.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
A free first conversation. A real person. A plan for what comes next.
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