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Business contents insurance

Compare commercial contents insurance quotes

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Compare business contents insurance from UK insurers such as:

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What is business contents insurance?

Business contents insurance, also known as commercial contents insurance, helps protect the things that keep your business running. Whether that’s the computers in an office, the chairs and tables in a beauty salon, or even the kitchen appliances in a café or bakery.

It’s worth adding up the value of all the contents in your business premises and working out whether you could easily afford to replace it all if the worst happens. Contents insurance can ensure you won’t be out of pocket if something goes wrong.

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What does business contents insurance cover?

Business contents insurance will keep you protected against a range of different risks – but some things aren’t included.

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    What’s included

    • Natural disasters like fire, flooding, storms, and subsidence

    • Deliberate vandalism, including from arson, burglary, or rioting

    • Accidental damage – as long as it isn’t considered negligence

    • Damage caused by burst water pipes on your property 

  • Cross

    What isn’t

    • Ordinary wear and tear to your property isn’t usually included

    • Damage caused by negligence by you or your employees

    • Many policies exclude damage from pests and other animals

    • Some insurers won’t include deliberate vandalism by your staff 

How does business contents insurance work?

Business contents insurance works similarly to contents cover on your home insurance. It means that if there’s damage to the contents of your business premises – for instance, from a fire or flood – your insurance will pay out to help you replace what’s been lost. Contents cover includes fixtures and fittings, furniture, electrical equipment, and even any personal belongings left on the business premises.

When you take out business contents cover, it’s a good idea to double-check exactly what your insurance is protecting. Some policies might not cover stock or cash left in your property, and other policies might require you to purchase separate tool cover to include any power tools. Save money by tailoring your cover so your insurance only gives you exactly what you need.

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What other types of insurance can I get for my business?

It’s not just your contents that need insurance – there are plenty of other types of cover your business might need. Here’s what’s available:

  • Employers’ liability insurance

    If you have any employees, this is a legal requirement – it makes sure you’re protected if anyone who works for you becomes ill or is injured

  • Public liability insurance

    With public liability, you’re protected if there’s an accident and a member of the public is hurt, or if their property is damaged

  • Business buildings insurance

    Business buildings cover protects the brick and mortar of your business, whether it’s a shop, an office, or a factory

  • Professional indemnity insurance

    This is useful if you provide professional services – it keeps you protected if there’s an accident or they’re unhappy with your work

Compare commercial contents insurance quotes

Comparing business insurance quotes with MoneySuperMarket and our preferred partner SimplyBusiness is the easiest way to find an affordable deal on cover. Here's how it works:

  • Tell us about your business

    Let us know about your business, who you employ, and how much cover you need, and we'll find deals tailored to your requirements

  • Check your requirements

    Check the policy offer meets the demands and needs of your business and read the policy documents

  • Purchase your policy

    Once you're happy with your policy offer, simply click through to complete your purchase.

No, you’re not legally required to take out business contents insurance. The only kind of business insurance that the law says you absolutely must have is employers’ liability cover. However, even though it’s not mandatory, contents cover might still be a good idea. Many businesses invest a lot of money in their fixtures, furnishings, and equipment.

Whatever kind of business you have, it’s worth at least considering contents cover. Think about the value of all your business contents, and consider whether you’d be able to replace it all if something unforeseen were to happen. If the cost of your equipment is more than the price of cover, it could be worth getting insured.

If you work from home, you might still need business contents insurance. Many ordinary home insurance policies don’t include items used for business – so if you have a home office or a workshop in your garage, your insurer might not pay out if your equipment is damaged. Check with your insurer first – even if they do cover home businesses, you’ll need to let them know you’re working from home, or your cover could be invalidated. 

Your business contents insurance may not cover equipment you keep in storage, or away from the business premises. A storage facility should have their own insurance in place, but it’s always worth checking exactly how much they’re insured for. If you’re keeping any particularly valuable stock or equipment in storage, you’ll want it to be with a facility that has as much cover as possible. 

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