Insurance and Utilities

Do I need to insure the building?

The terms of your lease determine the responsibility for building insurances. Generally the Council will insure the building, to which the full or proportionate amount will be charged to the tenant. For tenants of the Newark Beacon this charge is included in your monthly rental fee. Please note: The District Council does not insure tenant property or for business continuity. 

If your lease requires you to insure the building and/or common parts, a copy of the policy should be sent to Corporate Property annually:
Email: property@newark-sherwooddc.gov.uk

What other insurance do I need?

You are responsible for ensuring that you have adequate insurance cover for the following:
• Glass breaking (if applicable only as it is possible that the property does not have windows or the windows are not glass)
• Loss of damage to the property caused by theft or attempted theft
• Contents (these are the items brought into the premises by you)
• Any improvements you make to the property e.g. the addition of internal offices
• Public Liability Insurance
• Employers’ Liability Insurance (if applicable) 

You should ensure that you have appropriate insurance cover in place when you move into the property. You must also be prepared to confirm that appropriate cover is in place, at any time, by showing us details when we ask.

If the Council is responsible for insuring the building, what is covered? 

Where it is the Council’s responsibility to insure the building and any common parts, the main insured risks are: 
• Fire 
• Lightning 
• Aircraft 
• Explosion 
• Escape of water from any tank apparatus or pipe 
• Earthquake 
• Flood 
• Terrorism 
• Malicious persons (vandalism) 
• Impact by any road vehicle subsidence. 

The District Council recovers the building insurance premium as per the frequency set out in your lease. You do not need to purchase additional building insurance. 
In the case of substantial damage to the property, which means that you can no longer occupy it, the lease may be terminated. 

It is your responsibility as the tenant to make suitable arrangement for business continuity. The District Council is not liable for arranging this for you (See 'Business Continuity Planning' page for further information). 

It is your responsibility under the Lease to not take any action which will invalidate Newark and Sherwood District Council's insurance. The District Council has the right to inspect your property to ensure compliance with this responsibility.

How do I claim against the District Council's insurance?

Please email full details of the claim including the address of the property, photographs and your contact details to our Insurance Team and Corporate Property: 
Email: insurance@newark-sherwooddc.gov.uk
Email: property@newark-sherwooddc.gov.uk

Utilities

All utilities on site are managed by Newark and Sherwood District Council and costs included in your monthly rental fee. 

Any issues with utilities should be reported to Reception at your earliest opportunity.