No two businesses are the same, so why should your insurance be?

Whether your business is based at home, online, or on the high street, if you’ve got stock or business contents, we’ve got it covered with our contents insurance for businesses. We provide cover for a wide range of businesses, from beauty salons and hairdressers, to coffee shops, offices, and surgeries. Better still, we give you the freedom to tailor your contents cover to meet your needs. That means you get the cover that’s right for your business – not someone else’s.

Simply choose the covers you want – and leave the ones you don’t. It’s the protection you’d expect from AXA – for less.

 

Work hard, insure simple

Running a business is hard work. That’s why we’re doing all we can to make your insurance a bit simpler. From working to pay claims more quickly to taking the guesswork out of getting business insurance, find out what we’re doing to help.

Contents insurance FAQs

What is contents insurance?

Contents cover can help you replace the contents of your shop, like fixtures and fittings, floral displays, mirrors, and employees’ personal belongings, if they’re damaged, lost, or stolen. We offer a range of covers for customers who have stock, or business premises, available to you as standard, with others, you can add as extras if you need them1. We offer cover for:

    • Contents
    • Stock
    • Tenants improvements
    • Shop front
    • High-risk stock2

    Optional extras

          • Loss of money
          • Deterioration of stock
          • Goods in transit

    Why would I need contents insurance?

    Accidents and incidents happen. And not just between 9am and 5pm. Our contents insurance gives you access to a 24 hour emergency helpline so we can help you when you when you need it most. If you’ve got stock, or are based in a premises, contents insurance could help you put things right if your valuables are damaged.

    Why should I choose AXA for my business’ contents insurance?

    At AXA, we understand small businesses like yours. And whether you’re an office-based business, or an online retailer, we know we’ll have insurance that’ll meet your needs.

    • 30% increase in stock cover – at dates of your choice – with contents cover

    • Accidental damage as standard with contents cover

    • 24-hour glass replacement with contents cover

    • 24-hour emergency helpline

    Want to talk?

    Whether you've got a general enquiry about business insurance or something more urgent, our team are waiting to help.

    AXA Contents Insurance

    Get your business’ contents protected with our contents insurance for businesses. Accidental damage is included as standard, from there, simply pick and choose the cover you want – and leave out the cover you don’t.

     

    What can I include with contents insurance?

    You can build your own bundle of insurance depending on what your specific needs are. That means you only pay for what you need and nothing more. You can tailor your cover by adding any of these extras:

    Public liability insurance

    You’re responsible for the welfare of every customer or visitor. Public liability keeps you covered for up to £5 million if a member of the public is accidentally injured or their property gets damaged while dealing with your business.

    More about public liability insurance.

    Employers' liability insurance

    If you have anyone working under your supervision, including full-time, part-time staff, volunteers or apprentices, you’re legally required to have this cover.

    More about employers' liability insurance

    Professional indemnity insurance

    Protects you from compensation payments and defence costs if a client thinks you’ve made a mistake or given bad advice and makes a claim against you.

    More about professional indemnity insurance.

    Optional Extras

    When you choose contents cover, you can also select any of these options, if you’d like them:

    • Buildings – when you take contents cover

    • Business interruption

    • Terrorism

    • Business equipment

    • Legal expenses

    1Depending on your business, we offer you standard cover as well as a range of optional extras.

    2Depending on your occupation, we offer cover for high-risk stock.

    Lines are open Monday to Friday, 8am to 8pm, and Saturday, 9am to 2pm. Calls may be recorded and monitored. Terms conditions, eligibility and exclusions apply.