Are your property and assets adequately insured?

Fire, flood, storm damage or even a burst pipe. There are many ways your property and assets could become damaged. It is only when you’re affected that you find out whether the insurance you have adequately covers your losses.

To make sure it does, those responsible for arranging cover must provide your insurer with all the correct and relevant information. The following tips will help with this.

Buildings

The sum insured must cover demolition and clearance costs as well as the cost to rebuild should your premises suffer irreparable damage. You must also include professional fees plus VAT at 20%.  As property values are likely to rise over time, we recommend getting a building valuation at least every 5 years. Visit Jonathan Cornes Associates.

Tenants Improvements

If you rent rather than own your premises, check your lease to find out what you, as the tenant, are responsible for such as redecoration costs. Also, if you make any changes to the building, such as adding toilets, you must insure these costs too.

Contents

From books and toys to fixtures and furniture, just think what it would cost to replace everything in your nursery, including items that may be out of site or in storage. When you add it up, you might be surprised by what you have and how much contents cover you need.

Get in touch

To find out more information and get a quotation that is unique to you and your business please get in touch by using the contact form below or speak to a member of our team on 01204 570390

Click here to review a summary of the policy details

The bear that cares

Cover Guidance

A closer look at business interruption insurance

While no one expects a disaster to strike their nursery business, when it does, it’s vital to have Business Interruption Insurance in place, alongside your buildings and contents cover…

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Added benefits

With your policy, you will gain access to:

  • AVIVA is the UK’s largest general insurer; ultimately providing additional strength and expertise to dot2dot
  • AVIVA share our passion to work closely with nurseries and will ensure we continue to enhance our insurance cover and provide additional solutions and services
  • AVIVA has won many awards for service and innovation and has developed leading technology specifically designed to improve claims management
  • AVIVA has a strong reputation for working closely with their customers to actively defend appropriate claims – an approach that has identified them as a market leaders