Overview
Protect the buildings, stock, machinery, and equipment your business depends on against fire, theft, and accidental damage.
Why this cover
Your premises and equipment took years to build up — a single fire or break-in shouldn't be able to undo that. Business property cover means you can rebuild and restock without draining your working capital.
Cover options
Buildings & Premises
Covers the physical structure your business operates from.
Contents & Stock
Covers equipment, furniture, and inventory inside your premises.
Business Interruption
Covers lost income while you're unable to trade after insured damage.
Key benefits
Fast recovery
Rebuild and restock quickly after fire, theft, or accidental damage.
Business continuity
Optional interruption cover keeps income flowing while you get back on your feet.
Flexible sums insured
Cover scaled to the true value of your premises and stock.
One policy, full protection
Buildings, contents, and stock covered together.
What's not covered
Wear and tear
Stock obsolescence
Deliberate damage
Unoccupied premises beyond the policy limit
Who it's for
Common terms
The value your cover is based on — the cost to rebuild or replace, not market value.
Cover for lost income and ongoing costs while trading is disrupted by insured damage.
Why Get Business Property Cover Through Cush?
We compare options across trusted underwriters, explain exactly what's covered, and stay with you from your first quote through to claim settlement.
