The Cover you Require
Are there any tenant’s improvements? Fixtures and fittings? High value items? Fine art or antiques? Special equipment? Cover required away from premises? Catering equipment? Medical equipment? Fridges/freezers and refrigerated contents? Where are contents stored?
Further property questions in next section. Last survey? Confident in your sum insured?
69% of UK ‘commercial’ buildings are underinsured. Insurers reduce claim payments of any
size if there is underinsurance.
Underinsurance and RCA article.
Property and Security Details
Expected unoccupancy, maximum period of unoccupancy, details.
Describe the construction of walls of your property (e.g. Brick, Stone, Concrete, Metal, Timber, Other). Do you have any combustible lining or cladding that needs to be noted?
Describe the construction of roofs on your property (e.g. Tile, Slate, Felt, Concrete, Sheet Metal, Other)
Floors:
Number of floors | Floor construction | Occupancy details of floors
Composite panels:
Type of insurance core in panels | Proportional of overall wall area | Proportion of overall roof area
Fire:
Fire Risk Assessment | Type of heating | Commerical/domestic kitchens | Deep fat fryers | Volume of flammable liquid | Insulation
OTHER:
Non-ferrous materials
Heating
Grade listing
Good state of repair
Outbuildings
Planned works
Shutters or other security features
FLOOD:
1. Any history of flooding at the premises? (dates/cost/details)
2. Any flooding in the surrounding area within last 10 years?
3. Near a water source? | Within 250m of river, stream, sea, or tidal water?
4. Basement present? Used for storage?
5. Critical services (electrics/IT/boilers) at ground floor or below?
6. Flood resilience measures in place (barriers, pumps, raised sockets etc.)?
7. Formal flood plan in place?
SUBSIDENCE RISK:
1. Any history of subsidence, heave, or landslip? (dates/details)
2. Any ongoing movement or monitoring?
3. Any underpinning carried out? (date & completion certificate available?)
4. Trees within influencing distance of building?
5. Property built on known shrinkable clay?
6. Any neighbouring properties affected?
Do you own or lease the land?
Is it used for recreation, agriculture, car park, other?
Is public access allowed?
Any history of flooding, landslip, subsidence, unstable ground?
Any contamination or pollution on site?
Any trees, embankments, steep slopes?
Boundaries: Fences, gates, rights of way?
Are there outbuildings, structures, sheds, greenhouses, playgrounds?
Are there any water features on site?
Any livestock or animals present?
Any previous claims relating to land?
Interested party | Property | Nature of interest | Agreement Number
Details of locations, construction of walls, roof, deadlocks, alarms, signalling mechanisms, CCTV, security, fire alarms. Living on or next to premises? Outbuildings, flood or subsidence risks.