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Protecting business assets such as buildings, machinery and stock are of paramount importance to any company. Without adequate funds to replace items lost, damaged or destroyed a business could be left in ruin.

Before looking at what range of insurable perils is to be considered, the selection of an adequate sum insured is essential. While on the face of it this would appear to be an easy task, the reality is that this is difficult as additional factors, other than just the reinstatement cost of an item in its existing form, need to be taken into account

  • Wide range of perils
  • Add-on policies available
  • Review service available

The S-Tech Difference

Asset Protection - S-Tech Difference

For more than 30 years we have worked with a wide variety of businesses and recognise that no two are the same. Our insurance advisers will analyse your business, identify the risks and provide advice to protect against them.

As an independent insurance broker we have access to a wide range of products, so we can provide you with the best solution for your business. Add our outstanding in-house claims team and risk management solutions to this service and you have your ideal insurance partner.

Asset protection insurance in detail

The range of perils that can be insured against is very wide and not just limited to obvious damage from fire, weather and theft losses. Losses resulting from the following need to be considered:

  • Terrorism More info required
  • Subsidence More info required
  • Electrical and mechanical breakdown More info required
  • Computer virus contamination More info required
  • Food spoilage More info required
  • Loss of metered water More info required
  • Latent defects Can be added to your policy for defects in buildings not insured under standard property policies

The scope of available cover is constantly changing and it is important to regularly review potential exposures and suitable insurance solutions.


  • No, asset protection insurance is not a legal requirement, but it is prudent to include it as part of your overall commercial insurance policy.

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01223 324233
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