What is it?

Subsidence is the vertical downward movement of a building foundation caused by the loss of support of the site beneath the foundations.

Heave is the upward movement of a site caused by expansion or swelling of the subsoil (or the opposite to subsidence).

Landslip is the sudden movement of soil on a slope or gradual creep of a slope over a period of time.


Who needs cover?

Subsidence, ground heave or landslip cover should be considered by all businesses to protect them from the effects of potential unknown external factors, especially if purchasing premises outright. The longer-term consequences of subsidence (inability to use premises, relocation) can often be costly than the problem itself.


The policy excludes damage caused by a fire because any fire that broke out as a direct result of subsidence, ground heave or landslip would be covered under a fire policy.


A subsidence, ground heave or landslip policy does not cover the consequential losses incurred as a result of any interruption caused to your business. Only by taking out business interruption cover can you safeguard against these potentially enormous losses.


Examples of factors that might create subsidence, heave or landslip


Damaged drains

Removal of nearby trees

Work on nearby sites

Alteration of water courses


What having subsidence, ground heave or landslip cover means to you

By having subsidence, ground heave or landslip cover you can rest assured in the knowledge that should you be affected by these issues we will cover the financial cost of investigative and repair work so that you can keep your business operating.