Property claims can result from a variety of ways, Fire, Flood, Storm etc.

It is important to pick the correct cover to cover most eventualities. Simply put, cover can be divided into 3 parts:

Fire only

Fire & Perils

“All Risks”

Fire only cover
Generally applies to Vacant or Unoccupied Properties. This sometimes may be extended to include cover for Lightning & Explosion.

Fire & Perils
Obviously gives cover for Fire but also includes damage as a result of the following Perils:

Lightning, Explosion, Aircraft, Riot Civil Commotion & Malicious Damage, Earthquake, Storm, Flood, Escape of Water, Spontaneous Combustion, Subterranean Fire and Impact

All Risks
Is probably not a clever term for cover as it implies that everything is covered which is unfortunately not the case.

Cover includes the perils listed above in the Fire & Perils but also includes Accidental Damage – Example: while practising your swing and you drive your golf club through the TV.

We would recommend that you choose the All Risks option for insuring your property. The price will be higher than the other options but the cover is wider.

Other covers to consider when you are protecting your business

Subsidence, Terrorism, Sprinkler Leakage

We can provide cover for properties both large and small, regardless of the condition or occupancy:

  • Apartment Block
  • Commercial
  • Industrial
  • Vacant Properties
  • Green field sites

About Us
InsurePlus is a regulated and independent insurance broker providing honest insurance advice and quality products for our clients in the business sector. We have earned a first class reputation for our professional approach and excellence.

Our Staff, who have over 40 years combined insurance experience, are focussed on delivering insurance cover, for people in business, which is competitively priced supported by an unbeatable and friendly service.

What do we do for you?
First, we listen to what you need.
Then, we provide a comprehensive search of the insurance market to ensure you get quality cover at an affordable price.
Throughout the year, we support you with our knowledge, advice and day-to-day service.
Ultimately, if you have a claim we handle the paperwork and give you the best advice which is necessary to organise settlement.