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Building insurance

Building insurance requirements

Insurance payments

What our insurance covers

Making a claim

Commercial property owners who have a leasehold agreement with Mansfield District Council must have buildings insurance in place.

Building insurance requirements

All commercial properties rented from us must have valid buildings insurance cover to ensure that repair or rebuild of the property is guaranteed in the event of damage to the building.

The majority of our commercial leasehold agreements state that buildings insurance cover must be provided by us and paid for by the tenant. There are a very few leases that state otherwise. If you wish to check your lease, please contact us.

Insurance payments

Tenants will be sent an annual invoice in June, which can either be paid in whole or by instalment if agreed with us.

The policy is renewed annually on 1 April and you do not have to do anything. The premium charge is provided by the insurers and includes insurance premium tax.

The amount that a commercial property is insured for is based on rebuild costs rather that market value. It can be reviewed if you feel it does not currently reflect a realistic figure.

What our insurance covers

The insurance covers damage to the building caused by:

  • fire
  • lightning
  • aircraft
  • riot
  • civil commotion
  • strikers, locked out workers or persons taking part in labour disturbances
  • malicious persons
  • storm
  • flood
  • escape of water from any tank apparatus or pipe, and
  • impact.

The building insurance policy does not cover the loss of, or damage to the contents of a commercial property.

It is the responsibility of leaseholders to arrange their own contents insurance cover.

Making a claim

You can make a claim on your buildings insurance by contacting the insurers Aviva and asking for commercial property claims. The details are:

Phone: 08448 913501 ext 610318

Policy holder: Mansfield District Council

Policy number: 24871013cci

There is an excess of £500 for claims.



Page last updated: 23 February 2015

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