Industrial & Commercial Property Insurance

Whether it's a warehouse, lab, office, shop or restaurant, damage to a property and its contents can be crippling for any business. It can lead to loss of custom, disruption of service, damaged reputation, and depleted stock levels – and that’s before you pay for the repairs.

Property insurance covers destruction or damage to the insured property. And the policy can be tailored to your business needs, meaning that your business is protected in the event of disaster.  

By investing a little time upfront to truly understand your business, Howden can get you quality cover to protect you when you need it most. 

What does Industrial Property insurance cover? 

The policy covers loss or damage to assets like buildings, stocks, furniture and contents. It’s important to keep an accurate value of buildings, stocks, machines and other contents, to save further complications in the event of a claim. Our policies cover:

Fire damage
Caused by fire, lightning, explosion, falling aircraft, and smoke damage.

Water damage
Caused by typhoon, storm, or flood.

Natural disaster
Damage resulting from earthquakes, volcanic eruption, and tsunami.

Damage to foundations
Caused by landslide and subsidence.

Criminal damage
Including theft and burglary.

We can also tailor our policies to cover:

• Strikes, riots and civil commotion
• Malicious damage
• Accidental damage to plate glass 
• Expenses incurred on removing debris following damage
• Fire brigade charges and extinguishing expenses
• Architect, surveyor, legal and consulting engineers’ fees

Machinery breakdown

We can also cover machinery breakdown if your property holds machinery used in your business. This covers any unforeseen, sudden and accidental physical loss or damage to your machinery, caused by faulty design, faulty construction, carelessness, short circuit, storm damage, and many other reasons.

Our definition of quality cover?  Competitive prices, no nasty surprises.