Buildings insurance covers the structure of the building, together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage, for instance. Contents insurance covers the contents of the commercial building that you own or for which you are responsible.
It covers the main structure of your investment. If it were to subside, burn down or be damaged or destroyed by extreme weather, the policy will cover the costs of rebuilding or repair. It also normally covers any permanent fixtures.
Contents insurance covers the contents of the building that you own or for which you are responsible. This may include items such as furniture or carpets. Contents coverage is applicable to those contents that are damaged or lost as a result of a fire, theft and special perils. You may be asked to specify certain items on the policy and you may be asked to make additional security provisions such as locks or a burglar alarm.
A good buildings or contents insurance company knows that a well-handled claim usually results in a happy customer. We will first want to make sure your claim is valid and covered by your policy terms. When that is done, we will want to settle the claim as quickly as possible—especially in extreme cases. Generally, a claim is settled within a few weeks of the policyholder making it.
Buildings insurance covers the structure of the building, together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents insurance covers the contents of the building that you own or for which you are responsible.
Business insurance covers your business in the event of an emergency or unforeseen circumstances. It can provide peace of mind that your business will be able to continue to operate should anything happen to your property or equipment, and that any potential claims would be met if a third party was injured on your premises.
Argus are one of a few insurers in Gibraltar who handle all claims locally. Our experienced claims team is supported by a carefully selected, network of surveyors and repairers. Decisions are made swiftly, and locally, and are backed by the Argus Customer Charter. Please feel free to complete a claim form.
If the vessel is over 12 years old, we would require an "out of water" survey with a surveyor of your choice. We would be happy to provide details of qualified surveyors operating locally. Otherwise, no survey is required if the boat is in sound, seaworthy condition.
It is similar to a motor policy in the sense that it can be arranged to cover damage to your boat, as well as protecting your liabilities to third parties against damage or injury, for which you were responsible. Coverage can be tailored to your individual needs; and we would be pleased to provide further details.