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If you have business property, taking out a suitable insurance policy will ensure you are covered for damage from a variety of causes. While you should check the policy details carefully, most standard insurance contracts will cover your buildings and premises for a range of risks including:

• fire and lightning
• explosion
• riot
• malicious damage
• storms
• floods
• damage caused by vehicles

Responsibility for insuring business property

If you are a tenant, ask your landlord who is responsible for insuring the premises. Normally the responsibility is with the landlord. The tenant, however, is usually responsible for shop fronts. See commercial property: landlord and tenant responsibilities.

If you are responsible for insuring the property, you could opt for 'all risk' insurance. These insurance policies do not name the risks covered, instead, they list any risks excluded - so all unnamed risks are automatically included. Property insurance policies do not cover:

• wear and tear
• electrical or mechanical breakdown
• any gradual deterioration specified in the policy

You should tell your insurer if your business property is left unoccupied for any length of time. Insurance cover is likely to be reduced to fire only and may not include malicious damage caused by vandalism.

Reinstatement value

You need to insure your business property for the full rebuilding cost, known as reinstatement, rather than just the market value. This is because you will only be able to claim the cost of what you have insured - regardless of the amount of damage.

A will be able to help you to calculate the reinstatement value. 

As well as insuring the building itself, you should also consider taking out public liability insurance if members of the public visit your premises.

Seeking advice on business insurance

To decide on the appropriate level of cover, you should seek professional advice from a . Insurance brokers, advisers, and other insurance intermediaries are regulated by the .

If you choose to deal directly with an insurer, it's worthwhile checking that they are a member of the.

Property insurance only covers the physical building, so you will also need separate insurance cover for stock, machinery, and contents. You have the choice of either replacement as new insurance or indemnity insurance.

Indemnity insurance

Many business owners choose indemnity cover, which deducts the cost of any wear and tear when settling an insurance claim. Contents are also covered against theft, providing there has been forcible and violent entry to, or exit from, the business premises. See protect your business against crime.

You can also choose a business interruption policy that insures against loss of profit and higher overheads resulting, for example, from damaged machinery.

Seeking advice on business insurance

To decide on the appropriate level of cover it's a good idea to seek professional advice from a regulated insurance company or broker. Insurance brokers, advisers, and other insurance intermediaries are regulated by the Financial Conduct Authority (FCA) and you should make sure that your adviser has . .

If you choose to deal directly with an insurer, it's worthwhile checking that they are a member of the .

Depending on the type of business you run, it may be wise to take out specialist insurance for your business assets. There are many types of commercial insurance you may wish to consider:

Loss of cash insurance

Provides cover to an agreed limit for the loss of money, whether in transit or from business premises.

Goods in transit insurance

Covers goods against damage while being moved. See insuring goods in transit.

Travel insurance

Essential if you or your employees travel abroad. Ensure that you are covered for working abroad as well as travelling, if necessary. See insure your business - people, life and health.

Commercial legal insurance

Covers legal expenses that may arise out of a change in legislation or penalties resulting from non-compliance.

Credit insurance

Insures you against debtors who are unable to pay you as a result of bankruptcy. See factoring and invoice discounting.

Engineering insurance

Provides specialist cover for machinery, including computers. By law, some types of machinery must be inspected regularly. An insurer will be able to tell you if this applies to your business and will often arrange inspection visits. To insure off-site machinery, you will need to purchase all risks cover.

Glass insurance

Covers the replacement of glass following malicious or accidental damage.

Professional indemnity insurance

Covers you against compensation claims if you have been negligent, resulting in damage or loss to a client.

Data processing insurance

Provides cover for electronic media and electronic data processing equipment.

A fidelity guarantee

Insures against any loss of money or stock as a result of staff dishonesty, such as theft.

Tradesman's tools can often be added to a liability package. See liability insurance.

. If you choose to deal directly with an insurer, it's worthwhile checking that they are a .

By law any vehicle used on the road or other public place must be covered by a motor insurance policy. See .

Vehicle insurance for business

If you, your employees, or anyone else working for your business uses a vehicle for work then you should check that:

• all vehicles owned by your business, such as cars, vans, or lorries, are covered by appropriate insurance
• any employees' vehicles used for or in connection with business have their insurance extended to cover use for their employer's business
• any personal vehicle insurance that you may have also covers business use

You should also make sure that the insurance cover provided by the policy is appropriate as there are different classes of business use. For example, travelling sales people or commercial representatives are considered differently from those making only occasional business trips, or who carry your products or other business assets.

See .

Business fleet insurance cover

If you own several vehicles you may be able to get business fleet cover that might offer better terms. Your insurance broker will be able to advise you on this. .

You need to check the licences of all your drivers and advise your insurers of any motoring convictions. Otherwise, you will not be properly insured. You will also need to tell insurers of any motoring convictions that happen after any insurance policy is in place. See fleet management.

If you choose to deal directly with an insurer, it's worthwhile checking that they are a .

If you work from home, you may need a specialist insurance policy. Household insurance will not cover any loss of office equipment, nor will it provide public liability cover.

Your standard household insurance may even be invalid if you work from home, although most household insurance policies can be extended to cover this. Similarly, you should check the terms and conditions of your mortgage, as lenders often need to be informed if you use your home to run a business.

Consult your insurance broker about which insurance policy would best suit your business needs and which will evolve with your business as it develops. . If you choose to deal directly with an insurer, it's worthwhile checking that they are a .

The vast majority of businesses will rely on IT systems to store and process valuable operational data and customer information. IT systems are vulnerable to cyber security risks such as scams, fraud, information theft, and malware or virus attacks.

A business is responsible for its own cyber security but in the event of a cyber attack, the right insurance policy that covers cyber liabilities may help your business recover. See cyber security for business.

What is cyber insurance?

Cyber insurance or is a type of insurance cover that aims to protect your business from IT threats and covers you if your systems or data has been lost, damaged or stolen in the event of a cyber attack.

See .

What does cyber insurance cover?

Most cyber insurance policies generally cover first-party and third-party costs relating to a cyber-attack.

First-party cyber insurance

First-party cyber insurance covers damage to your business such as the cost of investigating the cyber crime, restoring IT systems, recovering lost data, reputational damage, extortion payments demanded by cyber criminals and costs relating to business shutdown.

Third-party cyber insurance

Third-party cyber insurance covers the assets of others, typically your customers and any potential claims against you including damages and settlements as well as legal costs to defend your business.

Does my business need cyber insurance?

If your business uses, sends, or stores electronic data you could be vulnerable to cyber crime. Cyber insurance could help you with financial and reputational costs if your business is ever the victim of a cyber attack.

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There are many different types of insurance cover your business may require depending on what it does, how it operates, and where it does business. Each type of business insurance is designed to cover a different set of risks that you face in the course of running your business including:

• liability insurance
• commercial property insurance
• business contents insurance
• commercial vehicle insurance
• cyber insurance
• working from home: business insurance
• specialist insurance for businesses

See also business insurance: the basics.

Using an insurance broker

Few business owners deal directly with insurers. Most prefer to go through an insurance broker for impartial insurance advice. Insurance brokers can advise you on whether a single insurance policy or a combination of single insurance policies would be more appropriate. Be sure to give all relevant information to the insurer, otherwise, an insurance policy may not be valid.

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Insurance brokers, advisers and other insurance intermediaries are regulated by the Financial Conduct Authority (FCA) and you should make sure that your adviser has . Read the .

If you buy products or services from insurance intermediaries, you have the right to ask the intermediary how much commission they get for selling the product or service to you.

Dealing directly with an insurer

If you do choose to deal directly with an insurer, it's worthwhile checking that they are a .

Some key points to consider when buying insurance are:

• quotes - get quotes from several different insurers or ask your broker to do so
• comparisons - compare the levels of cover in various insurance policies to make sure you get the right level of cover that your business requires
• tailored insurance - talk to your broker about whether you need an insurance policy tailored to your specific needs

What to consider when buying insurance

Other factors to take into account when choosing an insurance policy are:

• what the insurance policy will cover
• service
• cost
• whether there is a no-claims bonus
• whether the insurer offers 24-hour legal advice and emergency helplines
• the level of excess - the amount of each claim that you will have to pay yourself
• the extent of excess to be retained by your business

As soon as you discover a loss or damage to your business assets, you need to report it to your insurance provider. If you think that the loss or damage is due to a criminal act, you should report it to the police immediately. You should write down as many details as possible about what happened and when.

Information you need to provide to insurers

You will also need to provide your insurers with:

• estimates for repairs
• proof of the cost of any emergency repairs that were required, eg to make equipment or premises secure
• proof of ownership
• the cost of the items you are claiming for, with valuations and/or receipts
• a police crime reference number, if you think that your business has been the victim of a crime
• the opportunity to inspect any damaged assets if required

If you need to make emergency repairs, do so and advise your insurers of what you have done. If possible, advise insurers before going ahead, but it is most important that you prevent further damage that might increase the claim.

Loss adjuster

For large or complicated claims, the insurance company will often employ a loss adjuster. They will inspect the damage and check insurance claims for quantity, description, and pricing. Loss adjusters are impartial experts who can advise both the insurer and the policyholder.

They can also advise you on:

• how to improve security and safety
• areas of cover you may have overlooked
• repair techniques and specialist companies that can carry out such work

Loss assessor

You could employ a who will negotiate and settle the insurance claim on your behalf. However, since they will charge a fee, it is usually only worth considering if you are likely to make a substantial insurance claim.