Commercial Package Insurance: What It Includes
⏱ 2 min read
Commercial package insurance gathers the risks threatening a company’s physical assets and operations into one contract. It is the foundation product for offices around Maslak, Ayazağa and Seyrantepe.
Standard covers
- Fire, lightning, explosion
- Internal water damage and flood
- Theft, including safe theft
- Glass breakage
- Electronic equipment: computers, servers, POS devices
- Machinery breakdown for manufacturers
Liability covers
Third-party liability: a customer or visitor injured on your premises. Employer’s liability: an employee injured at work. These two can produce larger financial exposure than any property loss.
Business interruption
After a fire or flood the premises may be closed while rent, salaries and fixed costs continue. Business interruption cover replaces lost income during that period, and it is the line most SMEs skip.
Setting the sums
Fixtures, stock and fit-out are declared separately. If stock is seasonal, declare the peak level to avoid under-insurance.
Tenant businesses
The landlord’s policy does not cover your fixtures or stock. Tenant businesses need their own policy.
Frequently asked questions
I rent my office — does the landlord’s policy protect me?
No. It covers the building; your fixtures, stock and business interruption risk are yours.
Is business interruption cover really necessary?
Every day closed after a fire still generates fixed costs. This is the cover that keeps a business alive.
Related pages
Insurance advice in Maslak and the surrounding area
“Commercial Package Insurance: What It Includes” is one of the questions we are asked most often by clients in Maslak, Levent and Seyrantepe. For offices along the Maslak–Ayazağa–Seyrantepe line and technology companies near the İTÜ Ayazağa campus we combine commercial package, liability and cyber cover.
Our office is based in Maslak, Istanbul. We meet clients within a short drive — Maslak, Levent and Seyrantepe — or handle everything by phone, e-mail and WhatsApp, in Turkish and English. If you are searching on your phone for an insurance agency nearby, you can simply call +90 540 384 21 41 or see the related service page.
We compare policies from several insurers and explain the differences before you buy. Contact us or call +90 540 384 21 41.
