Business
Property & Fire
Protection for homes, commercial buildings, contents and stock against fire, natural perils, burglary and allied risks — arranged for landlords, homeowners, retailers and industrial premises.
What this policy covers
- Fire, lightning and explosion
- Special perils including floods and storm
- Burglary and theft following forcible entry
- Contents, stock, plant and machinery
- Loss of rent or alternative accommodation (where selected)
Why arrange it through Hace
- Correct sums insured to avoid average at claim stage
- Combined household or commercial packages
- Risk survey guidance for larger premises
- Coordinated loss adjuster process
Optional extensions
- • Political violence and terrorism
- • Business interruption
- • Machinery breakdown
- • Money and fidelity guarantee
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Unoccupied premises beyond the permitted period
- • Damage caused by faulty workmanship
- • Losses below the policy excess
Frequently asked
What is 'average' and why does it matter?+
If a property is insured for less than its true value, the insurer reduces the claim payment in the same proportion. Getting the sum insured right is the single most important part of a property policy.
Ready to arrange property & fire?
Tell us what you need to protect and we will compare the market and come back with clear options.