Protect my premises and equipment

A fire, water damage, theft or technical breakdown can stop your activity overnight. Finwise helps you insure your assets, and also the income those assets generate.

What is it?

Insure the assets that keep the business running

Premises, machines, stock, IT and fittings must be protected against fire, water, theft, natural events and technical breakdowns.

Mandatory?

Often required, rarely enough on its own

The lease, bank or landlord may require it. In practice, you also need to think about business interruption and technical modules.

Key point

Replacing equipment is not enough

The real risk is business interruption: rents, salaries and charges continue while turnover drops.

Premises and equipment priorities

Realistic inventory, then interruption if a claim stops everything.

  1. By activity Technical / plant Specialised gear
  2. Often critical Business interruption After fire or major damage
  3. Base Premises, stock, equipment Declared operating assets

Stock and machines are often undervalued.

Your assets are your working tools

Premises, furniture, machines, computers, installations, goods and stock often represent an essential part of an SME's capital. Replacing them after a claim can be expensive, but stopping activity sometimes costs even more.

Good cover is therefore not limited to reimbursing equipment. It must make it possible to restart operations quickly, pay fixed costs and limit loss of turnover.

Cover
What it protects
To check
Commercial insuranceInventory
Furniture, machines, stock, goods, installations and operating assets.
New or current value, seasonal stock, entrusted goods, underinsurance.
Business interruptionContinuity
Lost profit, fixed costs and additional costs after a material claim.
Indemnity period, replacement premises, dependency on critical machines.
Technical / electronicsBreakdowns
Internal damage, handling errors, sensitive equipment and recovery.
Base policy exclusions, transport, off-site equipment, data.

The logic of premises / equipment protection

Insured assets + Protected income + Quick restart = Continuity

Replacing a machine is useful. Being able to keep invoicing while it arrives is even more so.

What property or commercial insurance covers

Une assurance commerce intervient généralement après incendie, événements naturels, dégât d’eau, vol avec effraction ou bris de glace. Elle peut aussi couvrir l’inventaire d’exploitation : machines, outils, informatique, installations et marchandises.

The detail matters. Seasonal stock, entrusted goods, tenant fittings or equipment used off-site are not always included automatically. That is often where the most costly gaps form.

Business interruption: the cover not to forget

After a claim, inventory insurance replaces damaged assets. But if machines are not deliverable for two months or the premises must be renovated, your turnover drops while rents, salaries, leasing and charges continue.

Business interruption can cover lost profit, fixed costs and additional costs needed to maintain activity: temporary premises, equipment rental, temporary subcontracting or exceptional logistics costs.

Tenant

The lease may require a certificate, business liability and specific covers. Also check who insures fittings, shop windows and alterations.

Owner

Building insurance, owner liability and loss of rental income can become essential depending on cantonal rules.

Production / workshop

A critical machine often justifies a technical module: internal breakdown, handling error or replacement lead time that is too long.

Commerce / services

Stock, IT, shop window and dependency on the premises matter as much as furniture. Continuity often outweighs simple replacement.

Common pitfalls

Mistakes are rarely found when signing. They appear when a claim really blocks activity.

UnderinsuranceAn undervalued inventory can reduce indemnity at the time of the claim.
Forgotten off-site assetsEquipment at a client's premises, on site, in transit or in remote work.
Tenant fittingsWhat the company has financed is not always covered by the landlord.
Breakdown not includedThe base policy does not necessarily cover technical or electronic damage.

You already have a policy: what should you check?

Mettez à jour les sommes assurées après achat de machines ou croissance du stock. Vérifiez franchises, exclusions, biens hors site, durée de perte d’exploitation et éventuels modules assurances techniques. Un inventaire à jour évite souvent une mauvaise surprise.

With Finwise

We protect your assets and your ability to continue

We inventory your critical assets, analyse your premises, lease, machines, stock and operational dependency. Then we compare commercial, technical, transport and business interruption cover for a coherent solution.

Finwise Assurances partner logos

Complete the protection of your assets

These pages detail the covers that most often protect premises, equipment and business continuity.

Commercial insurance Technical insurance Cyber insurance Insure my business activity

Protect my premises and equipment View commercial insurance View technical insurance

Let’s talk about your needs

Tell us about your situation in a few lines. A Finwise adviser will contact you to clarify your options and compare suitable solutions.