Commercial buildings and contents insurance
Buildings and contents insurance is there to soften the blow if your business’ property is damaged, lost or stolen through no fault of your own.NFP are a commercial building and contents insurance partner you can trust
We’re extremely well-equipped to source the level of cover that aligns with your needs. Our expertise and access to top insurers makes us a partner that you can trust to find the best solutions for you and your business.
Listen to your needs
We will take the time to listen to and understand your commercial building and contents insurance needs, no matter how routine or complex, and help to deliver cover that aligns best with what you’re looking for.
Understand your goals
Our specialist commercial building and contents insurance professionals will work with you to understand your goals and scope out your whole operation, to anticipate, mitigate and minimise any risks.
Create better outcomes
We’ll undertake a full no-obligation health-check of your business, to ensure we get you the best possible cover, best possible premiums and most comprehensive protection for your commercial property.
What is buildings and contents insurance?
Simply put, buildings and contents insurance protects your company property from damage or loss that is either accidental or that you are altogether not responsible for.
At NFP, we strive to understand the individual needs of our clients to source an insurance policy that works for them and their business. From extreme weather to criminal damage, we want to make sure that you’re both prepared and protected, should the unexpected happen.
Why is buildings and contents insurance so important?
Whether it’s the outside of your premises, contents within your premises or product stock, significant loss or damage to any of these could severely affect, or even halt, your ability to trade as normal.
It’s bad enough when your property is lost or damaged because of something completely out of your control, but its even worse when this affects your business as a whole, especially if you don’t have a partner like NFP to help make the process of getting back on your feet much more seamless.
We can source building and contents solutions to protect you against:
- Loss of income due to trade being affected or halted
- Loss or damage of stock
- Any replacements or repairs that need to be made
Who do we support with commercial building and contents insurance?
Whether you’re a small partnership or a global organisation, your commercial property is important and worth protecting from the unexpected. That’s why we proudly support businesses of all sizes, across all industries, to help protect them in the event of accidental or unforeseen property damage.
SMEs
You may not be a global entity, but that does not mean that you are too small to need cover. While holistic protection may just be viewed as an extra expenditure, we understand how harmful an unforeseen disaster can be to the future of an SME. A partner like NFP will make getting back on your feet after a setback much less of a strain on you and your business, both logistically and financially.
Large corporations
Naturally, the bigger your business and the wider it reaches, the greater the likelihood that your premises or stock could be lost or damaged by something out of your control. Commercial building and contents insurance is a therefore a must-have for larger corporations, to help to minimise and mitigate the financial consequences, should the worst happen.
What risks can we help insure you against?
We can source a business interruption insurance policy that helps to keep your business financially afloat, should your trading be affected by events such as:
Fire
Storm, flood or subsidence
Water leaks
Accidental damage
Theft or attempted theft
Riots and criminal damage
Frequently asked questions about building and contents insurance
This should be checked with your landlord, as some landlords like to arrange insurance for the building, as well as core contents such as fixtures and fittings. This may not always be the case, however, and wouldn’t usually protect your contents and stock as the tenant. If this is cover that you specifically need, we as your partner will be able to help you find a building, contents and damage policy that will best align with these requirements.
Even in recent years, we have seen an increase in weather extremes in Ireland. In 2022, we saw one of the worst storms in decades, Storm Eunice, which was the eighth most disruptive storm to Ireland's electricity network. Therefore, not protecting your premises and contents against extreme weather could become riskier as time goes on.
While this may not be included in a standard plan, as your broker, NFP will take the time understand any extra coverage that your business may need such as this. We can then support you to find a policy that will truly meet all of your requirements, from the standard to the more niche and complex.
Request a call back from one of our commercial insurance specialists
To discuss your requirements, fill out the form below and we will be in touch.