Commercial Property Insurance

Protecting your commercial property is crucial to ensuring the longevity and success of your business. At Safehands Ltd, we offer comprehensive insurance solutions designed to safeguard your assets against unforeseen events.

In the unfortunate event of a claim, our dedicated team is here to assist you through the process, ensuring a smooth and efficient experience. Should an incident occur, you might wonder whom to call—facing automated answering machines, long waiting periods, and extended claims processes can be frustrating. Let us take charge and represent you, providing prompt and personalized assistance.

Comprehensive Coverage for Your Business Assets

Our tailored insurance policies provide protection for your building, stock, plant and equipment, furniture, and fittings against a wide range of risks, including:
Fire Damage: Safeguard your property from the devastating effects of fire, ensuring financial support for repairs or rebuilding.
Allied Perils: Coverage against natural disasters such as storms and cyclones, which can cause significant damage to your premises.
Burglary and Theft: Protect your valuable assets from losses due to theft or burglary, minimizing financial setbacks.
Impact Damage: Coverage for damages resulting from unexpected impacts, ensuring your business can recover swiftly.
Aircraft Damage: Protection against damages caused by aircraft, with the exception of supersonic-related incidents.
Water Damage: Coverage for losses due to bursting or overflowing of water tanks, safeguarding your property from water-related damages.
Earthquake Protection: Ensure your business is covered against the unpredictable nature of earthquakes, providing peace of mind.

Inclusive Coverage for Ancillary Costs

Our policies encompass a range of additional expenses to ensure a seamless recovery process:
Debris Removal: We cover the costs associated with clearing and disposing of debris following an insured event, facilitating a safe and efficient cleanup of your property.
Architect and Consulting Engineering Fees: Our coverage includes professional fees for architects and engineers required for the design, planning, and supervision of repair or reconstruction work, ensuring your property is restored to its original standards.
Claim Preparation Costs: We provide for reasonable expenses incurred in preparing and submitting insurance claims, assisting you in navigating the claims process with ease.

Regular Reassessment and Inflation Adjustment

Recognizing the dynamic nature of property values and construction costs, we offer:
Property Value Reassessment: We facilitate periodic reassessments of your property's net value to ensure your coverage reflects the current market value, accounting for any changes or improvements.
Inflation Adjustment Endorsements: To combat the effects of inflation, we adjust your sum insured accordingly, ensuring that your coverage remains adequate to meet potential rebuilding costs.

Enhance Your Protection with Additional Coverage Options

To further secure your business operations, consider our supplementary insurance options:
Goods in Transit (Inland): Safeguard your goods during domestic transportation against risks such as theft, loss, or damage.
Goods in Transit (Maritime): Protect your goods during international sea shipments from potential hazards encountered during maritime transit.
Travel Insurance for Business Purposes: Ensure your employees are covered during business trips, including medical emergencies, trip cancellations, and lost luggage.
Stock Deterioration Insurance: Covers losses resulting from the deterioration of stock due to unforeseen events, ensuring your inventory remains protected.
Public Liability Insurance: Protects your business against legal liabilities arising from third-party injuries or property damage occurring on your premises.
Products Liability Insurance: Coverage for legal liabilities resulting from products supplied by your business, safeguarding against potential claims.
Food Poisoning Liability Insurance: Essential for businesses in the food industry, this coverage protects against claims related to foodborne illnesses.
Cash Insurance: Safeguards your business's cash assets against loss, whether on-premises or during transit, providing financial security.
Personal Accident (PA) Cover or Workers' Compensation Package: Offers financial support for employees in the event of work-related injuries or accidents, promoting a safe workplace environment.
Business Interruption Insurance: Compensates for loss of income and additional expenses incurred due to disruptions from insured events, ensuring business continuity.
All Risk Insurance: Provides comprehensive coverage for unforeseen risks, ensuring that your business assets are protected against a wide array of potential losses.
Why Choose Safehands Ltd?
Tailored Solutions: We understand that every business is unique. Our insurance policies are customized to meet the specific needs of your operations, providing optimal protection.
Expert Guidance: Our team of experienced professionals is dedicated to helping you navigate the complexities of commercial property insurance, ensuring you make informed decisions.
Prompt Claims Processing: In the event of a claim, we strive to provide swift and efficient service, minimizing downtime and helping your business recover as quickly as possible.

Secure Your Business's Future Today

Ensure that your business is protected against unforeseen events and associated costs. Contact Safehands Ltd today to discuss your commercial property insurance needs and discover how our comprehensive coverage options can provide the security and peace of mind your business deserves.

Other Types of Insurance Available Tailored for Your Needs

In addition to the coverages listed above, Safehands Ltd offers a variety of insurance solutions customized to meet the unique requirements of your business. Our team is ready to work with you to design a policy that provides comprehensive protection for all aspects of your operations.