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What is Office insurance?

Your office is likely where you and your staff spend most of your time, and ensuring you’re suitably covered for the wide range of everyday risks faced is critical to ensuring your business can continue to operate. Protecting against theft, damage, failure of loss of productivity means you need to have a fully tailored policy that’s bespoke to your exact requirements in place.

Every single business is different, as are the risks it faces. That’s why we listen and work with you to put together a policy that covers everything you need, giving you complete peace of mind should the worst happen. In addition we work with you as your business grows, be it a larger premises, more staff etc to ensure that the actual coverage and levels of cover provided remain appropriate.

Cover includes public liability, employers liability, buildings cover, contents and equipment cover, theft, cyber, legal expenses, business interruption and professional indemnity. Cover can be extended to include accidental damage, non-standard items, portable equipment and much more.

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Office Insurance Policy Features

Liability cover

Protect your business against claims from both the public and the employees who allege physical injury, death or damage to their possessions as a result of an accident on your premises, caused by you or your equipment or property. As an employer, employers liability is a legal requirement.

Business interruption

When you are unable to use your office due to flood or fire, or during its repair, loss of income is covered so that you can continue to pay staff, overheads and other bills. Varying levels of cover are available so that you can cover the costs that you need to ensure your business keeps operating.

Equipment and contents

Every office has a differing level of equipment, but how much each one has varies dramatically. Cover is provided for accidental loss, theft, and damage to property, on a new for old basis. Portable items that are taken away from the office can also be covered, as can accidental damage.

Common Office Insurance Questions

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I work from home do I still need insurance?

More and more people now work from home post Covid-19. Home insurance excludes anything business related, so public liability will protect against accidents on your property i.e. deliveries, whilst equipment can still be damaged or lost. 

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Am I covered away from the office?

Policies can be extended to include damage and theft to items that you take away from the office i.e. laptops. Cover is for all over the UK but can be extended if required to cover further afield.

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Is money covered?

There will be a standard level of cover provided for money that is kept on the business premises during office hours. This is reduced if not kept in a safe overnight. Greater limits and less exclusions can be discussed if required.