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Commercial Buildings Insurance Facts and Offers.

Commercial property is insured in two main ways - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion and theft.



Whether you have business premises or work from home, your company will benefit from our 'all risks' cover for your office contents and computers. A cover for most eventualities is important while clearly listing any exclusions. You can also include some of the more specialised office covers as part of your policy, to meet your business’s needs, such as portable equipment, business interuption, and legal expenses.




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