Property Damage Insurance
Protect your premises and assets
A financial safety net to help your business recover if the unexpected strikes.
What is Property Damage cover?
Property Damage insurance acts as a financial safety net, protecting your buildings and contents when something unexpected happens. Whether it’s fire, flood, storm, theft or accidental damage, this cover helps your business recover quickly and confidently, with less disruption.
We tailor our approach for every client, whether you need cover for commercial premises, residential property, or both. Our options are designed to match the specific risks your business faces.
Cover can include:
- Buildings insurance: protection for the physical structure, walls, roofs, and permanent fixtures.
- Contents insurance: safeguarding furniture, electronics, stock, and equipment.
- Accidental damage: optional protection for unexpected incidents not typically covered.
- Business interruption: support for loss of income if property damage prevents operations.
- Covered events: including fire, explosion, storms, floods, burst pipes, theft, vandalism, subsidence, or impact from vehicles or falling trees.
Why do you need it?
Property damage is often expensive and disruptive. Without insurance, repairs or replacement could result in significant out-of-pocket expenses and extended business downtime. The right cover helps you respond quickly, protect your reputation, and keep your business running with minimal interruption.
When arranging property insurance, it’s important to declare the rebuild cost, not just market value. This means including the full cost to rebuild on your existing site, covering labour, materials, debris removal, walls, fences, gates, and associated professional fees. Getting this value right ensures your policy gives your business the protection it needs.
With over 25 years of experience in the moving and storage industries, we understand the unique risks that can impact your property. We can guide you through the process to help you secure the right level of cover.
What does it cover?
Instead of off-the-shelf policies, we negotiate each Property Damage policy individually to fit the real-world needs of your business. We work directly with leading underwriters to create tailored solutions that protect your assets and operations.
Your policy can include:
- Buildings cover: walls, roofs, permanent fixtures, pipes, cables, drains, demolition, and rebuilding costs.
- Contents cover: furniture, electronics, stock, and other property.
- Accidental damage: optional cover for unexpected incidents.
- Business interruption: loss of income if property damage prevents trading.
- Event-specific cover: fire, flood, storm, theft, vandalism, subsidence, or impact from vehicles or falling trees.
With Reason Global, your Property Damage cover is more than paperwork. It’s a carefully considered safeguard, built around how your business really works, so you can keep moving with confidence.
Not quite what you're looking for?
Please get in touch today if you’re looking for something more specialist, and our expert team will be able to help.
Fast, reliable insurance for your operations
Contact us today for comprehensive, flexible coverage designed around your business, backed by experienced insurers and dedicated support teams.
Speak to our TeamLloyd’s of London Broker
We are the only Lloyd’s of London broker solely dedicated to the moving, self-storage and international relocation industries.
See more about Lloyd's of LondonNews & Insights
