Material Damage and Business Interruption

At Miles Smith we are constantly evolving our insurance offering to meet the needs of modern businesses. We now offer a combined material damage and business interruption policy to protect our clients if they suffer loss or damage to buildings, plant and stock that may in turn result in a significant overall business interruption.

Material damage insurance provides cover to reinstate any asset lost or damaged to how it was before an insured event occurred, such as a fire or flood. It’s the modern form of what used to be called fire & perils but is a far superior cover. When combined with business interruption cover, it provides complete cover against a serious event. Not only are your assets covered, but your business income is protected financially from an inability to trade.

  • What’s typically covered?
  • Reinstatement and replacement of buildings, fixtures, office contents and stock
  • Damage or destruction from fire, storm or flood
  • Accidental Damage
  • Loss of revenue
  • The cost of any additional staff needed as a result of the disaster
All businesses are unique so to make sure you’re covered, get in touch with our team of experts.


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