Commercial Property
Comprehensive property coverage for businesses — buildings, contents, business interruption, and liability, all in one policy.
Backed byAXA · Chubb · Allianz · Zurich · Manulife
"After a pipe burst flooded our server room, TRS managed the entire claim. We had full equipment replacement and were back running in two weeks."
Complete business protection
Full reinstatement coverage for your premises, fixtures, fittings, and all business contents including stock, equipment, and machinery.
Income replacement during forced closure following a covered event. Covers ongoing expenses and lost profits until operations resume.
Protection against third-party claims for bodily injury or property damage occurring on your premises or as a result of your business activities.
Covers sudden and unforeseen mechanical or electrical breakdown of business-critical machinery and equipment, including data recovery costs.
TRS arranges coverage for fire, lightning, flood, burst pipes, impact, theft, and machinery breakdown — plus optional extensions for business interruption, money, and glass.
The sum insured should reflect the full reinstatement cost of your building and replacement value of contents. TRS can help you conduct a proper valuation to avoid under-insurance.
Business interruption (BI) covers lost revenue and ongoing costs when your business cannot operate following a covered property damage event. Without BI, a major incident could be financially devastating even after property repairs.
Yes. Most commercial property policies arranged by TRS include flood and water damage, subject to survey and risk acceptance. Properties in high-risk flood zones may require special terms.
Most claims are acknowledged within 24 hours. Simple claims can be settled in 5–10 working days. Complex claims with significant damage may take longer, but TRS actively manages the process throughout.