Commercial contents insurance is an important type of business insurance that covers the valuable items inside a business premises. Imagine a retail store packed with valuable stock, an office equipped with the latest tech, or a design studio stocked with essential tools. In each setting, it's the tangible assets that form the lifeblood of the business. Without appropriate protection, these vital assets are exposed to risk.
While commercial buildings insurance covers the structural integrity of your premises, commercial contents insurance focuses on the tools, equipment, stock and a myriad of other assets that drive your daily operations. It's about recognising the value of every asset, from the high-ticket items right down to the smaller tools that, when absent, can slow or halt your operations. You can think of commercial building and commercial contents insurance as being two insurance types that together cover most of your business, inside and out.
In an unpredictable business landscape, where uncertainties can lurk around any corner, commercial contents insurance stands as a vital and robust financial safety net. It ensures that unexpected mishaps, opportunistic thefts or unforeseen disasters don't lead to an insurmountable financial challenge. Instead, with a well-sourced, tailored policy in hand, your business can rebound, rebuild and refocus on its core operations.
Professional Partners
Why Choose KGJ for Commercial Contents Insurance?
Navigating the world of commercial insurance can be daunting, but at KGJ we greatly simplify this process. With over five decades of deep industry experience, our team members possess the acumen to guide you towards the ideal coverage for your enterprise. We understand every business is unique, and so are its assets. Therefore, our experts meticulously tailor policies that meet your specific needs. When you choose KGJ, you’re not just selecting an insurance provider, you're partnering with dedicated professionals committed to safeguarding the very core of your business—its contents.
What Will My Commercial Contents Policy Cover?
Commercial contents insurance offers a comprehensive safety net for a wide variety of business assets. Typically, it encompasses:
✓ Office Equipment: Computers, printers, telephones and more.
✓ Stock: Whether perishable or non-perishable goods.
✓ Furniture: Desks, chairs, cabinets and other fittings.
✓ Personal Belongings: Items owned by staff and visitors.
✓ Money: Cover against theft or loss of cash on the premises.
However, for the sake of clarity, it's equally essential to understand what might not be included with commercial contents insurance:
✗ Wear and Tear: Normal deterioration over time is often not covered.
✗ Intentional Damage: Deliberate harm caused by the business owner or employees.
✗ Unbacked Claims: Losses without appropriate proof or documentation.
✗ External Disasters: Some policies might exclude specific natural disasters unless explicitly added.
✗ Unspecified High-Value Items: Expensive items that are not declared might not be covered.
✗ Force Majeure: Typically not covered on most policies, however it may be available as an extension or add-on and is something to enquire about.
Given that every business is unique, there might be variations in coverages, which is just one of the reasons it’s so crucial to scrutinise the finer details to ensure all your assets are protected, and that’s precisely where KGJ excels.
Talk to Us
At KGJ, we believe in highly personalised advice. Whether it's face-to-face or over the phone, our experts actively engage with you, ensuring you receive tailored guidance and the ideal policy for your needs.
Other Main Services
Commercial
For over 50 years, KGJ has been providing businesses of all sizes with independent, unbiased and affordable commercial insurance solutions. With access to a wide variety of insurance products, KGJ will find the right policy to meet your needs.
Savings
Saving for the future can bring a great sense of stability and peace of mind to your financial security. Ensuring you obtain honest, professional and tailored advice when investing your money is an essential process that the experts at KGJ will provide.
Personal Insurance
KGJ provides individuals with personal insurance across a wide range of services. With a collective 100 years of experience across our dedicated personal insurance department, whatever cover you need, we will be by your side throughout.
Pensions
Timely pension planning is fundamental to a happy and fulfilling retirement. Choosing the right pension scheme from the bewildering number available is vital for your financial wellbeing – and KGJ is here to ensure you secure the right scheme for your specific needs.
Mortgages
Taking out a mortgage is probably one of the most significant financial decisions most of us will ever make. Ensuring you get the right mortgage is essential for your sense of financial well-being and peace of mind – and KGJ is here to help.