What Does Office Insurance Cover?
Our key covers include:
A specialised cover designed to protect a business’ equipment, including furniture, appliances, general contents, documents and computers, against theft and damage caused by pre-insured events.
This is a more targeted cover that protects computers, hardware and accompanying accessories against the risk of theft and damage.
If your office or property gets damaged or destroyed due to a pre-insured event, such as a natural disaster, and has to shut down temporarily, business interruption insurance can keep your company afloat by paying for rent, outgoing expenses, salaries and loans until the issue is resolved.
A cover designed specifically to compensate you for the cost of repairing or repurchasing portable equipment like laptops, handheld devices, projectors and cameras if they get stolen or damaged.
Employers’ liability insurance is a legal compulsion if you employ anyone in the UK. Employers’ liability insurance covers cost of legal defence, settlement and compensation payouts if a member of your staff files a workplace injury or property loss claim against your company.
Public liability insurance covers the cost of legal defence and compensation payouts if a client or a visitor suffers from an accident, injury or loss while in your office and opts to file a claim.
Products’ liability insurance covers the cost of legal defence and settlement if a third party such as a visitor or a client sustains an injury or suffers a loss due to any product or equipment in your office.
Depending on your business, risks and circumstances, you might also require the following additional covers:
If your business offers advise, expertise or consultancy to clients, you should consider professional indemnity cover.
Professional indemnity insurance provides funds to cover legal costs and compensation payouts if a wrongful advise, negligence or error claim is made against your business by a client.
Directors and Officers
D&O liability insurance A special cover that covers owners, directors, managers and officers of a business against the consequences of lawsuits and wrongdoing claims.
Your business is nine times more likely to be targeted by a cybercriminal than a burglar. Cyber liability insurance protects your business against the consequences of data breaches and hacking.
All risks insurance can cover your possessions against damage or loss within the UK, EU or worldwide.