Insurance type

Commercial Property & Key Assets

Protection for premises, equipment, stock, business interruption and the assets your operation depends on.

What it covers

Cover shaped around the way your business actually operates.

UpSure brokers key assets cover as part of a coordinated commercial insurance program. We review the risk, negotiate wording and benchmark the placement against the markets that understand your sector.

Property damage

Business interruption

Plant, equipment and stock

Claims examples

Situations where this cover may be tested.

These examples are illustrative only. Actual cover depends on the policy wording, limits, exclusions and the facts of the claim.

Critical equipment damaged by water

A burst pipe damages servers, tools or stock and the business needs repairs, replacement equipment and temporary operating costs.

Fire interrupts trading

A fire at the premises stops operations for weeks while the business manages lost gross profit, relocation and continuing expenses.

Specialist equipment stolen

High-value equipment is stolen from a site or vehicle, creating replacement costs and delays to customer delivery.

UpSure approach

Market access, wording review and claims-led advice.

Contract-aware advice

We review obligations, indemnities and evidence-of-cover requirements before recommending structure.

Claims-led wording

We focus on exclusions, triggers, excesses and definitions that determine whether cover works at claim time.

Market negotiation

We approach underwriters with a clear risk story so the placement is not treated like a generic package quote.

Want to review your key assets cover?

We can benchmark your current wording, limits and market options against the risk profile of your business.

Speak to a broker