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Commercial Property

COMMERCIAL
However large or small your property portfolio we are able to provide insurance cover for all types of commercial properties, whether they are warehouses, shops, shops with upper flats, offices restaurants and pubs. In the current volatile political climate our confidence in security is wavering. Therefore it would be prudent to insure your entire commercial portfolio with the most suited cover for each specific type of business.

RESIDENTIAL
Whether your property, be it individual residences or large blocks of flats, if occupied by professional working tenants, housing association or housing scheme tenants or even if the property is vacant at Halpern Insurance we are able to provide you with a tailored individual prospectus for all your residential insurance needs.

PERILS
We provide cover for all eventualities including fire, lightning, earthquake, subterranean fire, explosion, aircraft, riot - civil commotion and malicious damage, storm & flood, escape of water and/or oil, impact, accidental escape of water from sprinklers, glass - breakage of fixed glass, theft, emergency services, accidental damage, subsidence - heave and landslip and property owner’s liability. For commercial properties the property owner’s liability may vary from that of a residential unit in so far that it has to cover a larger area, consider more people and perhaps include employers’ liability. Commercial insurance covers a broad spectrum and therefore premiums will depend on each particular risk, however at Halpern Insurance we explore all different insurance companies to ensure that you have the best deal for optimum cover.

LOSS OF RENT
Following a disaster however large or small it may be, your property could be uninhabitable and the tenant whether a residential tenant or commercial tenant would have to leave the property. You would be insured to get your rental income paid to you until such time that all works have been completed and your tenant can resume occupying the property if loss of rent has been included to cover that specific period of time.