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Commercial Property Cover

Commercial Property Team

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Commercial Property Insurance

With over 30 years Broking experience, S.A. Faughnan (Brokers) Ltd. act for many commercial property owners, developers and managing agents nationwide who seek expert advice, a professional, attentive and client focused broking service complimented by competitive insurance products to protect their investments in to the future.

A Property Damage All Risks insurance policy can protect your investment property comprehensively with some or all of the following facets;

All Risks cover on Buildings
Loss of Rent / Rates / Service Charges
Fire Brigade Charges & Glass
Property Owners Liability / Employers Liability
Terrorism (where required)

What can Property Damage All Risks insurance cover me for?

Buildings including outbuildings
Residential Landlord’s Contents
Accidental Damage to Buildings
Professional Fees / Debris Removal
Tracing & Accessing a leak
Loss of Metered Water Charges
Property Owners’ Liability

Loss of Rent Receivable / Payable
Malicious Damage caused by Tenants
Fire Brigade Charges / Fixed Glass
Damage to Landscaped Gardens
Damage by Emergency Services
Employers’ Liability

Terrorism (Property Damage & Business Interruption)

You need Property Damage All Risks insurance cover if you...

Own a single or multi-unit residential investment property e.g. pre-63, 100+ year old, 3 bed semi-d, apartment block, house in flats, period property, converted property
Own a mixed use investment property
Own an Office Block, Retail Unit or Light Industrial Unit
Own a Commercial Investment Property e.g. warehousing, manufacturing, retail, leisure etc.
Own a Period, Protected or Listed property
Are a Managing Agent charged with running any of the above
Are a Commercial Tenant with a Full Repairing & Insuring (FRI) Lease

Why have Property Damage All Risks insurance?

To protect your property from the following;

damage to your rental investment property due to any cause not excluded by your policy
damage to your residential landlord’s contents due to any cause not excluded by your policy
claims from a tenant or member of the public due to injury or illness suffered by them as a result of your negligence at your premises
claims from an employee / contractor for injury, illness or death during the course of their work for you at your business’ premises
loss of rental income revenue due to damage to your premises due to any cause not excluded by your policy

How Property Damage All Risks Insurance protects you and your business..

Covers you when you have to pay compensation to a tenant, an employee or member of the public for any illness or injury or damage to their property due to our own neglect
Pays out legal fees spent in defending a claim
Compensates you for damage to your investment property and/or residential landlord’s contents

What other insurance cover do I need to consider to adequately protect my business / property?