Fixtures and Fittings Insurance
Protect Your Business Assets With Fixtures and Fittings Insurance
Every business relies on essential fixtures and fittings to maintain operations, whether it’s shelving, counters, display units, built-in furniture, or specialist equipment. If these assets are damaged, stolen, or destroyed, it can lead to unexpected costs and disruption.
ABA Insurance provides specialist Fixtures and Fittings Insurance to protect businesses against financial loss due to theft, fire, flooding, vandalism, or accidental damage. Whether you own an office, retail store, restaurant, warehouse, or commercial property, our policies ensure that your fixed business assets are covered.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Fixtures and Fittings Insurance?
Fixtures and Fittings Insurance covers permanently installed business assets that are essential to daily operations. These assets include fixed furniture, built-in shop fittings, kitchen units, counters, lighting, and display cases.
This Fixtures and Fittings Insurance is vital for:
- Retail stores, supermarkets, and shopping centres
- Offices, co-working spaces, and serviced buildings
- Restaurants, bars, and cafes
- Warehouses, manufacturers, and distribution centres
- Hotels, salons, and professional service businesses
Without the right protection, replacing damaged or stolen fixtures and fittings can result in significant financial strain.
Why Do You Need Fixtures and Fittings Insurance?
Protection Against Theft and Vandalism
Burglary or deliberate damage to fixtures such as shelving, counters, and built-in units can be costly. This insurance helps cover repair and replacement costs, minimising financial impact.
Cover for Fire, Flood, and Accidental Damage
Natural disasters, electrical faults, and workplace accidents can cause severe damage to essential fixtures and fittings. This insurance provides financial support to restore your business quickly.
Safeguarding Investment in Business Premises
Whether you lease or own your premises, the cost of custom-built fixtures and fittings is significant. This policy ensures that you do not have to bear the full cost of unexpected damage or loss.
Compliance with Lease and Mortgage Agreements
Many landlords and lenders require businesses to have adequate insurance for fixtures and fittings. This policy ensures compliance and financial protection.
Business Continuity and Quick Recovery
If essential fixtures are damaged, it can halt operations. This insurance ensures your business can recover quickly without major financial setbacks.
Get The Right Business Insurance
What Does Fixtures and Fittings Insurance Cover?
Built-In Furniture and Storage
Covers fitted units, cupboards, and built-in shelving systems.
Display Units and Counters
Protects shop counters, display racks, and built-in retail units.
Lighting and Electrical Installations
Covers fixed lighting, security systems, and electrical fixtures.
Flooring and Wall Finishes
Provides protection for carpets, tiling, and fixed wall coverings.
Kitchen and Washroom Fittings
Covers sinks, fitted kitchen units, and restroom installations.
Fire, Flood, and Accidental Damage
Ensures that your fixtures are covered against damage caused by natural disasters or workplace incidents.
Theft and Malicious Damage
Protects against financial losses due to break-ins or deliberate damage to fixed business assets.
How Do I Get The Right Fixtures and Fittings Insurance?
Concerned About the Cost of Replacing Fixtures?
Custom-built fixtures can be expensive to replace. Our policies ensure your business is protected from unexpected financial strain.
Unsure if Your Business Needs This Cover?
Many businesses assume their building insurance covers fixtures and fittings, but this is often not the case. Our team can help assess your specific insurance needs.
Worried About Business Disruption?
Damaged fixtures can delay operations. Our insurance ensures that repair and replacement costs are covered so your business can recover quickly.
Looking for Affordable Insurance?
We offer competitive pricing and flexible cover options, ensuring businesses get the best protection at an affordable cost.
How Much Does Business Contents Insurance Cost?
The cost of Fixtures and Fittings Insurance depends on several factors, including:
The value of your fixtures and fittings.
The level of coverage required.
Your business location and risk factors.
Security measures in place at your premises.
At ABA Insurance, we provide flexible and affordable policies, ensuring you get great value for money without compromising on protection.
Why Choose ABA Insurance for Fixtures and Fittings Insurance
Independent Expert Advice
Our experienced insurance specialists provide independent advice to help you find the most cost-effective policy that meets your needs.
Bundle Insurance Policies
Combining Fixtures and Fittings Insurance with other business coverages such as Public Liability Insurance or Business Contents Insurance can help reduce overall costs.
Security Measures to Reduce Premiums
Installing CCTV, alarm systems, and secure locks can lower your insurance premiums by reducing the risk of theft or vandalism.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get Your Fixtures and Fittings Insurance Quote Today
Protect your business assets with a tailored Fixtures and Fittings Insurance policy from ABA Insurance. Getting a quote is quick and easy – simply use our online quote generator or speak to one of our expert advisors today.