New products
(23)
Toilets
(50)
Wash basins
(38)
Urinals
(9)
Bidets
(11)
Kitchen sinks
(6)
Bathtubs
(55)
Steam room
(24)
Showers
(80)
Polished tiles
(26)
Rustic tiles
(26)
Wall tiles
(14)
Anyone who has purchased, and made a claim, on a business insurance policy will know that the actual policy wording can take a while to interpret.
Certain sections appear to exclude cover, because later in the policy wording this particular part of the cover is “bought back in”. It is not a deliberate attempt to confuse or deceive (contrary to what some might say), it is just the nature of the beast. The wording needs to be read, in conjunction with your insurance schedule, and in it’s entirety for you to fully understand what is, and is not included.
When looking at commercial property insurance, you want to make sure that you are covered for most types of claims. There are certain types of claims, such as arson by the property owner, which of course cannot be covered. But, there are differences between a basic policy wording and a more comprehensive policy.
One of the additional covers you can, and should have, is for fixed glass. If you are the property owner and you lease the premises, then under the terms of your lease your tenant will usually be responsible for insuring the shop front glass. However, this is not always the case, particularly if it is your business that occupies the building, or it is a residential let.
This post is about sanitary ware, this includes sinks, showers and toilets, effectively the fixed contents in any bathroom. Not all policies include this, whereas the cost of fixing a cracked bath, particularly if it is a difficult to obtain colour, can be very expensive.
This tends to be more of an issue with block of flats insurance, than if you own a high street premises, but you are always wise to check that you have cover in place.
