Why you need property insurance for your office
If you own or operate a business across the Channel Islands, Islands can ensure you have the appropriate insurance for your needs. There are a number of risks that business owners are faced with including fire damage, tenant injuries, theft and income loss.
It can sometimes be a tricky process taking out insurance on your property, but at Islands our professional team are here to help you get the coverage you need. Whether it’s helping you to protect your personal property, tools and equipment, inventory, furniture, computers, or outdoor landscaping you will need a comprehensive policy that covers your assets in the unfortunate event that something goes wrong. Our flexible policies for office block insurance can offer a great level of protection with benefits that include coverage of all your properties in one policy, legal liabilities cover of £5 million, and a 24-hour helpline.
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 alarms.
Covers & benefits provided
Our comprehensive and third-party policies include a great range of free benefits as standard.
Whether you own or rent the buildings you need to consider insurance not just for the bricks and mortar of the property but also any external outbuilding, driveways, walls etc. These need to be taken into consideration when insuring the premises for their full rebuilding costs (including professional fees and the cost of site clearance).
Protect your income and re-home your tenant(s) should your property become uninhabitable following an insured event, such as fire, flood or storm damage.
Cover for third party injury & property damage included as standard for up to £5,000,000 with a further available option to increase to £10,000,000.
Coverage in the unfortunate event that your tenants damage your property.
Do you let your property furnished? Ensure these items are also covered.
Coverage to trace the source of leaks automatically provided.
Standard Coverage
Your policy will generally cover you for a number of insured events, such as:
- Fire
- Lightning
- Explosion
- Earthquake
- Flood
- Storm
- Malicious Damage
- Theft
- Accidental Damage
Existing Customers
Renewing your policy
We will contact you prior to your renewal date with all the details of your policy cover for the coming year.
Payment options
Payment can be made by monthly direct debit or an upfront annual payment.
Making changes to your policy
Click here to make a change or request.
Cancellation
You can cancel your policy at any time by contacting us.
Why choose Islands?
Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.
Friendly, experienced in house claims team giving guidance and help when it matters most.
Available if you have more than one policy with us.