It protects you against damage caused by fire, lightening, flood, escape of water, storms, theft, riot and vandalism. Cover can be extended to provide ‘all-risks’ protection against accidental damage such as breakage of glass. You can make a claim on your property insurance if your buildings, contents, machinery or stock are damaged because of an event covered by the policy. You can also buy insurance against acts of terrorism to sit alongside your property insurance cover. Although the likelihood of suffering loss or damage because of terrorist incident may seem remote, it is worth considering, particularly if your business is situated in a Large town or city.