The right office insurance package provides the protection you need to cover your business. Office insurance can include cover for both the physical premises and the contents within as well as public and employers liability and business interruption.
With cover for your stock, machinery, office contents such as desks and chairs as well as computer equipment, office insurance can provide you with peace of mind whilst you concentrate on running your business.
Office insurance can include many features to keep your business running and provide protection in the event of risks such as fire, flood or escape of water or a break-in and theft.
We will work with you to put together a package to suit your business needs.
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.
Employers’ liability insurance
Employers’ liability insurance is required by law for most businesses. It provides financial protection to cover compensation awards for injury or damage suffered by an employee, volunteer or freelance worker.
Public liability insurance
This vital cover is designed to protect your business in the event of a claim for an injury or damage to property by anyone visiting your premises. Public liability insurance covers legal fees and compensation that become due as a result of a customer or member of the public making a claim for an injury resulting from an accident or damage to property occurring.
Optional extras
It’s also possible to include additional cover such as Legal Expenses, Goods-in-Transit, Money Cover, Portable Equipment and All Risks.
