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Business Emergency Cover Add-on

Business emergency cover is an add-on cover that’s designed to protect the needs of small businesses. Should you have an unforeseen emergency at your business premises, business emergency cover could provide help where an emergency exposes the business premises or contents to damage, causes a health and safety risk to anyone using the premises or compromises security.

An emergency could happen at any time, whether it’s a boiler breakdown when your salon is fully booked or a security lock failure just before your shop opens. It’s important to be able to respond quickly and efficiently to ensure your business can keep trading.

It’s not always straightforward to find a reputable contractor at short notice and even if you do, it can be expensive. This business emergency insurance provides a low-cost option and peace of mind should something go wrong.

Call us today and speak to one of our insurance advisors or request a callback. We’ll provide advice and professional recommendations to make arranging your business emergency insurance simple and hassle-free.


Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.7/5 based on 356 Feefo reviews

Add Business Emergency Cover to your business insurance policy:

Get a quote

For cover advice, call:
  
Request a call back


What does business emergency cover?

Business emergency cover is designed to give 24/7 cover for many business emergencies. The cover includes:

Breakdown of the main heating system

Plumbing and drainage problems

Breakage or failure of the sole toilet at the unit

Lost keys, damage to or failure of security


Loss of power supply

Vermin infestation

Blocked access by fallen trees

Obstruction by fly-tipping


Business boiler cover

If the boiler in your business premises fails or breaks down, repairing the boiler should be a top priority to keep your staff and customers safe. Finding a plumber or heating engineer at short-notice or in an emergency can be a challenge. Boiler breakdown cover is included as part of the business emergency cover to help you to get the heating and hot water back on, 365 days a year.

To ensure your boiler is in good working order and is safe for your business premises, it is a requirement of this policy to ensure your boiler is serviced annually. For ease, you can optionally add annual central heating boiler servicing to your business emergency cover on a pay per use basis.

Who is business emergency cover suitable for?

This policy is suitable for small business, self-contained premises (below 2500 square feet). It can be purchased as an add-on for business insurance products such as shop insurance, salon insurance and office insurance.

For any of the above emergencies, an approved contractor will come to the business premises and make emergency repairs. This cover is designed for emergency situations and does not cover general wear and tear or things which may cause an inconvenience. This cover is not suitable for businesses that require breakdown cover to plant and machinery or breakdown cover to communal services for multi-let properties.

For business boiler cover, the main heating system (including central heating boiler) must have an output of less than 60kw/hr and not be more than 15 years old. The cover will not be suitable if your heating system is LPG fuelled, oil fired, warm air or a solar heating system.

Our insurance advisors can discuss the suitability of business emergency cover with you over the phone.

Buy business emergency insurance with Premierline

Premierline arranges business emergency cover with specialist provider ARAG as an add-on cover for business insurance. They specialise in business emergency solutions for small businesses. The cover is available 24/7 365 days a year and all permanent repairs are guaranteed for 12 months. Typically this policy will cover the call out charge for an approved contractor to attend your property within 2 hours, any labour charges and the cost of any parts and materials.

Call us today and speak to one of our insurance advisors or alternatively request a callback. We’ll provide advice and professional recommendations to make arranging your business emergency insurance simple and hassle-free.


Add Business Emergency Cover to your business insurance policy:

Get a quote

For cover advice, call:
  
Request a call back


"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"I'm so pleased to have bought from them. I made a huge saving on my insurance for my small business and they were so helpful and explained everything. A very happy new customer.”

Miss Saunders, Beauty Salon, Altrincham (Customer since February 2019)

"It was a very efficient service. They gave me my chosen quote and set everything up within minutes. No trouble at all. I'm very happy with Premierline's service and will definitely recommend them"

Dr Chatterjee, Dentist, Warrington (Customer since July 2016)