Your facility/property is the heart of your business, productivity and profitability. In the same way you would insure your home, it’s just as important to protect your business. This coverage is required to protect the physical assets of your business against loss, destruction or damage including fire, hurricane, and any other perils covered in the policy. Physical assets include any buildings, leasehold improvements, contents, furniture, fixtures and fittings. Some forms of coverage will also include accidental damage. The sum insured should represent the full replacement value of the property insured. We will meet the actual cost of replacing your assets (on a new for old basis) without depreciation or wear and tear to get you back to optimum business.