The unexpected always happens
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To find out more, telephone
0117 974 3232 and ask
for a 'commercial property' specialist
We have an online business library, providing you with a wide range of background information
Lampier specialise in helping the owners and managers
of commercial property to reduce their risks and reduce
their insurance costs.
Good insurance is vital to your business
As a manager or owner of commercial property you know the importance of protecting your investment. Look at the sort of problems that can arise, and how we can help:
A fire in a small part of an old office block is covered by insurance, but the local building inspector insists that the whole building is now upgraded, and the owner has to pay for this himself.
We can… make sure you are covered for upgrading your whole premises.
The owner of a small industrial estate charges VAT on some
of his rents, but does not include it in his insurance cover.
There is a major claim, and he has to pay the difference.
We can… arrange insurance cover that automatically includes liability for VAT without needing to put it in the sum insured. In addition this results in a 17.5% premium saving.
A shop suffers a major fire just before a rent review, and so the owner loses the extra income until the shop is again operational.
We can… offer cover which automatically gives you post loss rent review increases up to double the rent insurance figure.
An agent purchases a new building for a client, but unfortunately forgets to insure it. There is a fire, and the agent has to pay.
We can… include automatic cover for your whole portfolio, even if you forget to insure a new building.
A property investment company sells a factory building to a new owner, who then defaults on the insurance covenant, and the original owner is still liable for making good the damage following a loss.
We can… arrange special cover for you for this continuing lease obligation up to pre-agreed limits.
A lease on a property obliges the tenants to insure the premises. But they do not, and the landlord still has to pay for repairing damage.
We can… arrange for your insurance to include this situation, up to pre-agreed limits.
A new tenant is about to move in to an industrial building
when there is a major fire, and the landlord's profit plans are
severely hit.
We can… include advanced profits cover in your insurance.
All policies are subject to underwriting acceptance. Terms and Conditions may apply.
