Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
If you own the building that your business operates from, or if you have made changes to rented premises then purchasing Buildings Insurance is vital.
If your property suffers damage or disruption and you do not have sufficient cover in place, you will be liable for the repair costs. In some cases, a business may not have the funds to pay these costs and could end up being unable to trade.
It is also crucial that your building is insured for the full rebuild cost, including any fees and the cost of site clearance, and not just the market value.
This amplifies the importance of having the correct cover in place to protect your business, to ensure these costs would be covered by insurance and not leaving you out of pocket.
All businesses face unique risks, so please get in touch with our expert team to ensure your business has the correct cover in place.
WHAT IS TYPICALLY COVERED?
Accidental damage
Standard risks such as floors, storms and fire
Rebuilding costs, including all professional fees and associated costs
Trace and access, cover for the cost of locating damage to cables, underground pipes and drains
CHELMSFORD STAR CASE STUDY
“It makes things a lot easier, particularly when insurance isn’t your area of expertise. You want someone who understands how you’re set up, the way your board is, how you have to get things approved, and that you’re commercial, but do have other aspects.”
"Specialist Risk, formerly known as Miles Smith Insurance Solutions, staff are friendly, extremely approachable, responsive and very much work with us, allowing us to get on with the day-to-day running and growth of our business"
Belfield Group
Group Finance DirectorOTHER COVERS
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Contingency cover protects you should you suffer financial losses from an issue at an event such as last-minute cancellations…
Contract Works covers builders and tradesmen for any work in progress on a building site that is damaged…
Contractors All Risks protects employers and contractors for loss or damage to a building site that you or your team…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Directors’ and Officers’ provides financial protection for the potential defence and damage costs for the leaders…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Employment Practices Liability covers employers for claims made against them by employees that allege discrimination…
Environmental Impairment Liability provides cover following an incident that causes pollution on land…
Goods in Transit insurance provides cover for theft, loss, or damage of goods whilst they are being transported…
Jewellers’ Block protects businesses that sell high-value or unique jewellery or carry out regular valuations…
Landlord’s Contents covers insured furnishings in your rented property should they be damaged by tenants…
Latent Defects covers the cost of remedying and rectifying damage caused by faults in design, construction…
Legal Expenses protects you and your business by covering the cost of taking or defencing legal action should the need…
Legal Indemnity is typically paid for by the seller of a property and protects the purchaser against issues…
Loss of Licence covers the costs that are incurred if your alcohol licence is revoked by your Local Authority…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Marine Cargo cover protects businesses that are responsible for transporting goods both domestically and…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Medical Malpractice protects healthcare professionals against allegations of clinical negligence and medical…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
Product Recall covers the reasonable and necessary expenses of recalling and replacing products where…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…
Terrorism cover protects a business and its ability to continue trading following a terrorism incident…
Trade Credit protects a business if a customer owes money for products or services and does not pay their debts…
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FAQS
Where is Specialist Risk Insurance Solutions located?
Our head office is in the City of London, the address is:
One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Croydon and Ampthill, Bedfordshire however we are currently working remotely due to COVID-19.
Does my trade fall within Specialist Risk’s appetite?
We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.
