Property and stock
Protection for buildings, machinery, fixtures and stock against selected risks.
Temin Insurance · Expert broker support
Commercial Property and Liability Packages
We analyze your operations and compare fire, theft, business interruption and liability coverage.
Coverage approach
Coverage built around your needs
Risk analysis tailored to your activity
Price, coverage, deductible and limit comparison
Broker support for claims and renewals
Understand the complete business risk
Protect property, business continuity and liabilities together
A commercial policy should reflect your operations, assets, stock, employees and third-party exposures—not only the building.
Business interruption
Options for loss of income following an insured property loss.
Theft and equipment
Policy limits for stock, cash, machinery and electronic devices.
Third-party liability
Liability arising from injury or damage involving visitors, customers or neighbours.
Employers liability
Protection against eligible claims arising from workplace accidents.
Professional and product liability
Specialist solutions for services or products that may cause financial loss or injury.
Policy selection checklist
Compare more than the premium
- State current values for buildings, machinery, fixtures and stock separately.
- Describe the business activity and production processes accurately.
- Provide details of fire, alarm, sprinkler and security precautions.
- Compare deductibles, sublimits, exclusions and coinsurance—not only premium.
- Check whether business interruption periods and liability limits match the exposure.
Information for your quotation
Accurate information leads to a suitable quotation
Tax and company detailsBusiness activityFull address and floor areaBuilding informationMachinery and fixturesStock valuesFire and security measuresClaims history
Complete and current information helps ensure accurate pricing, coverage and claims assessment.
Frequently asked questions
What to know before purchasing cover
Yes. A tenant can insure its stock, fixtures, improvements and liability interests; the owner’s building interest is assessed separately.
Peak values, declaration-based covers or adjustable stock arrangements may be considered.
No. Employers, product, professional and third-party liabilities may require different terms and limits.