Our Business Property Products
We offer a wide range of business property policies, so we’ve got you covered no matter what commercial property you own.
Why you need property insurance for your business
If you own or lease a property in the Channel Islands, Islands can ensure you have the appropriate insurance for your needs. There are a number of risks that property owners can face, ranging from fire, flood, storm damage, customers and employee injuries, malicious damage, theft and loss of income following an insured loss.
It can be a tricky process taking out insurance for your businesses, but at Islands our professional team are here to help you get the coverage you need. Whether it’s helping you to protect the property, communal contents, or outdoor landscaping you will need a comprehensive policy that covers your assets in the unfortunate event that something goes wrong.
Determining the cost for commercial property insurance takes into consideration a lot of different factors that influence the risk of unfortunate events. These factors include your location and whether the area is prone to natural disasters like floods, the industry of your business, the construction of your building and whether it has upgraded electrical and plumbing, and particularly if your premises has all the relevant safety precautions like a security system or fire alarm.
Peace of mind guaranteed
Owning property often presents a range of challenges and we aim to work with you to safeguard your interests, whatever type of property portfolio it is.
*applies to most policies, subject to terms and conditions
Benefits*
- Buildings including driveways, gardens, and car parks
- Contents of communal areas and landlord’s contents
- Loss of rent or alternative accommodation for residential & commercial premises
- Property owner’s products and employers liability insurance
- Denial of access due to insured damage and costs of re-letting
- Trace and access cover for water leaks
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
Optional benefits
Whilst our standard business property features offer a comprehensive level of coverage, there is always room to extend your cover for the more unique parts of your business. Which is why we offer optional benefits that ensure your insurance works hard for your business.
Our optional benefits offer a greater level of protection for your business premises.
- Lift inspection services and engineering insurance
- Car park liability
- Tenants liability
- Decennial building guarantee insurance
FAQs
Have a question about your property insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Can I add Buildings/Contents onto my existing policy?
Yes, you can add Buildings or Contents cover to your policy at any time. If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
What do I do if there is an emergency when the office is closed ?
If there’s an emergency outside office hours, follow these steps:
- Take immediate action to reduce further damage or loss.
- If you have ARAG Family Legal Protection, use the 24-hour helpline for emergency repairs.
- If your property can’t be lived in, arrange emergency accommodation.
- Contact your insurer as soon as possible.
What is Public Liability cover?
Public Liability cover protects you if you are held responsible for injury to a person or damage to property as the owner or occupier of your home.
Example: If a roof tile falls from your home and injures a visitor, your home insurance may cover the claim.
