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Business Contents Insurance Add-Ons: Stock, Portable Tools, and Equipment Breakdown Explained
Standard business contents insurance is designed to protect the physical items your company relies on, from office furniture to retail fittings.…
Business ContentsInsurance
Business Contents Insurance
Cover for the stock, equipment, furniture and fit-out inside your premises, replaced at today’s prices, not what you paid.
Cover for the stock, equipment, furniture and fit-out inside your premises, replaced at today’s prices, not what you paid.
Stock & equipmentFurniture & fit-outNew for old
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is business contents insurance?
Business contents insurance covers everything you keep inside your premises, stock, equipment, furniture, tills and the fit-out you paid for, against fire, flood, theft and accidental damage.
If you rent, your landlord insures the building itself. Everything you brought into it is yours to insure, including partitions and flooring you installed.
Business contents insurance can include:
Stock and materialsEquipment and machineryFurniture and fittingsTenant’s improvementsGlass and signageMoney on the premises
Who needs business contents insurance?
Anyone trading from premises they don’t own outright. The building may be your landlord’s responsibility, but the contents inside it almost never are.
You should seriously consider cover if you:
Hold stock on siteHave paid for a fit-outWork from a unit or warehouseRent or own commercial premisesOwn equipment or machineryKeep cash on the premisesDoes my landlord’s insurance cover my contents?
No. Your landlord insures the structure, walls, roof and common parts, and usually recharges that through the service charge. Everything you bring inside, from stock and tills to the partitions you installed, is your responsibility.
Most commercial leases also set out what the tenant must insure and to what level, so it is worth reading the insurance clause before renewal rather than after a claim.
You’ll usually need your own cover for:
Stock and raw materialsEquipment and machineryTills, safes and cashTenant’s improvements and fit-outFurniture and shelving
Who insures what in rented premises?
Who insures what in rented premises?
Responsibility splits between landlord and tenant, and most disputes come from each assuming the other had it covered.
Responsibility splits between landlord and tenant, and most disputes come from each assuming the other had it covered.
| What’s at risk | Usually insured by | What to know |
|---|---|---|
The building structure | The landlord | Usually recharged to you through the service charge |
Stock and equipment | You, the tenant | Everything you bring in is yours to insure |
Tenant’s fit-out | You, the tenant | Partitions and flooring you installed aren’t theirs |
Glass and signage | You, the tenant | Often excluded unless specifically added |
Top Tip
Set your sum insured at what it would cost to replace everything today, not what you originally paid. Under-insuring is the most common reason a contents claim is settled for less than expected.
What could go wrong at your premises?
What could go wrong at your premises?
Most contents claims come from a break-in, an escape of water, a fire, or accidental damage to equipment you rely on to trade.
Most contents claims come from a break-in, an escape of water, a fire, or accidental damage to equipment you rely on to trade.
Your insurance certificates explained
Once you’re covered we’ll send your documents the same day. Landlords and managing agents often ask for proof of cover before or during a lease.
If you employ anyone, your employers’ liability certificate must be displayed where staff can see it.
Your certificate typically shows:
Your business nameYour insurer’s namePolicy numberPolicy start and renewal datesAny specific conditions
Cover often bought alongside business contents insurance
Cover often bought alongside business contents insurance
Contents cover protects what you own. Most businesses add liability cover for visitors and staff, and business interruption for the income lost while you can’t trade.
Contents cover protects what you own. Most businesses add liability cover for visitors and staff, and business interruption for the income lost while you can’t trade.
RecommendedPublic Liability
Covers injury or damage claims from customers and visitors on site.
RecommendedEmployers’ Liability
A legal requirement once you employ anyone, even part-time.
OptionalBusiness Interruption
Helps with lost income and extra costs after an insured event.
OptionalCommercial Property
Buildings cover if you own the premises rather than rent them.
OptionalCommercial Combined
Bundle contents with your other covers into one policy and one renewal.
PopularMoney Insurance
Higher limits for cash on the premises, in transit and in a safe.
How much does business contents insurance cost?
There’s no fixed price. The value of your contents is the main driver, along with what you trade in, where you’re based and how the premises are protected.
Value of your contents
Stock, equipment and fit-out all count towards your sum insured.
Claims history
A clean claims record helps keep premiums down at renewal.
Security at the premises
Alarms, shutters and access control all affect what you pay.
What you trade in
High-value or attractive stock raises the theft risk insurers price for.
Claims history
A clean claims record helps keep premiums down at renewal.
Size of your premises
Larger units and multiple floors increase your contents exposure.
How to get business contents insurance
How to get business contents insurance
Getting contents cover takes four steps: tell us about your premises, set your sum insured, compare specialist insurers, and get covered, often the same day.
Getting contents cover takes four steps: tell us about your premises, set your sum insured, compare specialist insurers, and get covered, often the same day.
1
Tell us about your premises
Where you trade, what you hold and whether you employ anyone.
2
Set your sum insured
What it would cost to replace your contents today.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and get your documents
Receive your certificates, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Business contents insurance guides
Business contents insurance guides
Practical advice on sums insured, leases and staying properly covered.
Practical advice on sums insured, leases and staying properly covered.
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Do I Need Business Contents Insurance If I Rent My Workspace?
Renting a workspace can provide flexibility, convenience, and cost-efficiency for many businesses. But even if you do not own the building, your…
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What Does Business Contents Insurance Actually Cover? A Guide for Offices, Shops & Salons
Whether you run a busy high street salon, a boutique retail space, or a growing office-based consultancy, your business premises are likely filled…
Business contents insurance FAQs
Business contents insurance FAQs
Straight answers on sums insured, leases and what your landlord covers.
Straight answers on sums insured, leases and what your landlord covers.
Business contents insurance covers everything inside your premises, stock, equipment, furniture, tills and the fit-out you paid for, against fire, flood, theft and accidental damage.
Still have questions?
Our advisers are here to help you find the right solution.