Workplace insurance covers your shop, office or workshop against fire, theft and flood, so your business can keep running after the unexpected happens.
Workplace insurance covers the building you trade from, along with its fixtures, stock and machinery, against risks such as fire, theft, flood and glass breakage, within your policy limits.
Any shop owner, office operator, restaurant or workshop business needs workplace insurance to keep operating after a loss instead of absorbing the cost themselves.
Yes — tenant businesses can insure their fixtures and stock even though the building itself is covered separately by the owner.
The size of the premises, the nature of the business, its location and the coverage limits requested all affect the workplace insurance price.
Report the damage to Aveon Insurance as soon as you notice it and submit the required documents; the full step-by-step process is on our claims page.
Wear and tear, lack of maintenance, deliberate acts, war and nuclear risks, and anything expressly excluded in the policy fall outside the cover. Risks such as flood, earthquake and terrorism are added to the policy as separate extensions.
The address and use of the premises, the approximate value of the building and fixtures, the value of your stock, and details of any fire safety measures are enough. For rented premises the lease agreement may also be requested.
Declare the real replacement values for the building, fixtures and stock. If the declared value is too low, any claim payment is reduced proportionally, so it matters that you update the policy when your stock value changes.
Need to file a claim? CLAIMS
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