Office buildings insurance
If you own the building itself, then you will need to insure the property – both for your own business and any space that is rented out to other occupiers.
Office contents cover
Think of this as an equivalent to your home contents insurance. Anything in your office that is removable – furniture such as desks and chairs, computer equipment and even documents. Cover can be provided whether your business operates from a commercial office or you work from home. Additional features such as accidental damage and cover for possessions whilst out of the office, for example, whilst in transit or at an employees home, can also be included.
Business Interruption Insurance If something happens to your business premises and you are unable to operate, business interruption insurance can cover ongoing costs such as rent, overheads and employees’ salaries. Essentially, this cover is designed to keep your business financially alive whilst the problem is resolved.