Nursery Insurance
Is it better to insure Nursery Buildings separately?
If you are looking for Nursery Insurance to cover the nursery building itself, you should make sure you are covered for the following first:
- Property Owners Liability
- Loss of Rental Income
- Standard perils such as Fire, Lightning, Earthquake, Aircraft, storm theft etc
A standard buildings policy should cover all of the above. You will even have the option to include or add some extra coverage to the buildings. This may include the likes of Legal Expenses up to £100,000 per claim or extended Full Accidental Damage to the buildings. Some policies will include these ‘extras’ as standard, so it is important to check with your broker when taking out a policy.
The question as to whether or not it is better to separate the business from the building, may in fact be out of your hands if they are both legally under different names – it is in fact essential. Many Nursery Owners will indeed insure the building separately from the actual business. This can be due to one or two reasons. Possibly, sometimes it can be actually more cost effective to do the buildings and business on a different policy. The other reason being, that the buildings is owned by a different entity that the business. The building owner may ‘lease’ the building to the nursery business and the business may have a different name (possibly a Limited company) to the building owner. For example, the buildings owner may be called Mr Smith and the business owner may owned Mrs Smith Nursery (UK) Ltd – Mr Smith of course will be a director of the business and in reality it is the same people involved, but legally a different entity.
Top Tip – It is important that the correct entities are used when applying for an insurance policy – use the wrong entity, such as in the case of the above, you may find the insurer tries to argue there is no insurance contract in place with the legal owner. Make sure the nursery insurance for the building is in the correct name and the name which is on the property deeds. Many property owners have fallen foul of this in the past, and had a battle to get their claims paid on time or at all.
If you would like to chat with one of our advisors, please call us today on 0800 085 3761 to see how we can help. Our Commercial Property Owners Insurance policies will be able to provide adequate levels of cover for your nursery buildings, and also give you the option to increase liability cover or add legal expenses cover.
Why choose the Property Insurance Centre
Independent advice by approachable staff online or by phone
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.
Get In Touch:
[contact-form-7 id="12585" title="New Callback"]We accept most payment types including:
Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.
Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.
The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.
His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.
Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.
He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.
As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).
As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
Contents
- 1 Nursery Insurance
- 2 Is it better to insure Nursery Buildings separately?
- 3
- 4 Insurance under one roof
- 5 We are specialists in many types of insurance
- 6 Block of Flats
- 7 Unoccupied
- 8 Home Insurance
- 9 Residential Landlord
- 10 Land Liability
- 11 Commercial Property
- 12 Lockup Garage
- 13 Restaurant
- 14 Takeaway
- 15 Classic Car
- 16 Mixed Use
- 17 Tradesmen
- 18 Why choose the Property Insurance Centre
- 19 Independent advice by approachable staff online or by phone
- 20 Access to a wide range of insurers to source suitable insurance cover for your needs
- 21 Bespoke Insurance Schemes & Portfolio Policies available
- 22 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 23 Competitive Premiums
- 24 Cover available for the buildings while the property is being converted, renovated or extended
- 25 Over 40 years experience working with the best insurers in the UK
- 26 Excellent communication so that you understand what risks you are insured against
- 27 Why choose the Property Insurance Centre
- 28 Independent broker with staff you can speak to by phone or online
- 29 Access to a wide range of insurers to source suitable insurance cover for your needs
- 30 Bespoke Insurance Schemes & Portfolio Policies available
- 31 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 32 Competitive Premiums
- 33 Cover available for the buildings while the property is being converted, renovated or extended
- 34 Over 40 years experience working with the best insurers in the UK
- 35 Excellent communication so that you understand what risks you are insured against
- 36 Why choose the Property Insurance Centre
- 37 Independent broker with staff you can speak to by phone or online
- 38 Access to a wide range of insurers to source suitable insurance cover for your needs
- 39 Bespoke Insurance Schemes & Portfolio Policies available
- 40 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 41 Competitive Premiums
- 42 Cover available for the buildings while the property is being converted, renovated or extended
- 43 Over 40 years experience working with the best insurers in the UK
- 44 Excellent communication so that you understand what risks you are insured against
- 45 Specialists in Commercial & Residential Insurance
- 46 Get In Touch:
- 47 We accept most payment types including:
- 48 UK Call Handlers & Dedicated New Business Team
- 49 Call Us on 0800 085 3761
- 50 Robert Fisher
