Buildings Insurance Cover for commercial properties leased from the Council:
The Council usually insures the building (ie: structure and landlord's fixtures and fittings) against loss or damage caused by a range of perils. The property sum insured relates to the cost of repairing or rebuilding the property, not the current market value. Please note some leases also provide for the Council to insure against loss of rent.
The cost of the buildings insurance is based on the sum insured. In order to maintain adequate cover, the sum insured is increased annually for the new policy year (commencing 1st November. In accordance with the advice from the Council's insurer, you must tell the Council about any works you intend to carry out to your property which may affect the sum insured.
If you require further information on the cover provided, please contact us via our Online Form, giving your full name, the address and postcode of the leasehold property concerned, and your contact address (if different).
Making an Insurance claim:
It is a policy condition that claims are submitted as soon as possible. Please note that unless the loss or damage has arisen as a result of one of the perils covered by the insurance policy, it will not be covered. If you need to make a claim, please contact the Council's insurance department.
You will be issued with a claim form for completion, which will need to be returned to the Insurance Department so that it can be submitted to the Council's insurer. The Insurance Department will liaise with you and the insurer for any additional information required.
Buildings Insurance Schedule for commercial properties leased from the Council:
If you require a Buildings Insurance Schedule, which may be requested by your mortgage lender or solicitor, please contact us via our Online Form. Please provide your full name, the address and postcode of the leasehold property concerned, and your contact address (if different).
The Council's Buildings Insurance policy does NOT cover the contents in your property.
You are strongly advised to arrange separate insurance cover for your own contents. Some leases require contents cover for loss or damage to the premises caused by theft/attempted theft.