Accidental Damage Insurance

Accidental Damage Insurance

Essential cover for all business types. Compare quotes from leading insurers with instant cover. Quick | Easy | BRISCO

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A lot of standard insurance policies only include damage from standard insurance perils such as fire, flooding, storms or theft. However, they can often exclude damage caused unintentionally by you, your staff or visitors to your premises. Despite all your best efforts, accidents can happen which is why the right insurance policy is essential

Accidental damage is one of the most misunderstood covers available. Many people assume they are already covered, but that might not be the case. If an accident does occur, you could find yourself faced with a hefty repair bill. 

Compare quotes with Brisco Business now and find a policy with covers to meet your needs.

We partner with some of the UK’s most trusted accidental damage insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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What does accidental damage insurance cover?

Any breakages or damage to your property or contents caused accidentally by yourself, your staff or your visitors. Whatever the circumstances, this cover pays the cost of repairing or replacing any unintentional damage.

I thought this was covered by my building insurance?

This is a common misconception. Many people believe building insurance protects any damage to your property. This is not the case. It only covers against known threats such as fire, flood and storms. Anything problems caused by human error will not be covered, which means this is a gap which badly needs to be filled.

How much does accidental damage insurance cost?

Insurers will assess the cost based on a number of different factors including the value of your property, size of the business, number of employees and any claims you have made over the last five years. They are looking to assess what risk you pose. Fewer claims mean you’re a lower risk and will translate to lower premiums.

Is accidental damage insurance worth it?

It’s inevitable an accident will happen, whether that’s you, a staff member or client spilling a drink on an expensive piece of kit, or someone who’s a little clumsy knocking something over. If you don’t have accidental damage insurance in place, you’ll have to pay for replacements or repairs from your own bank account. This could damage your business finances and prevent you from operating as usual.

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