Office Insurance

Secure Your Office. Empower Your Business.

With our comprehensive insurance options.

Whether you operate from a single office or have multiple locations, an Office Insurance Package is essential. With the increasing number of businesses operating from office spaces, our policy caters to various trades, offering a competitive and comprehensive solution.

Our flexible policies package covers commonly associated with office environments, while also extending protection to your company assets at employees’ homes and other locations. We understand the evolving needs of your business, allowing you to easily adapt to new premises, add additional locations, adjust staff numbers, and update sums insured as you acquire new equipment.

Focus on growing your business while our dedicated team guides you through these changes, ensuring you have a clear understanding of important cover conditions. Invest in office insurance and empower your business today.

Why is office insurance important?

=Property Protection: Office insurance safeguards your office premises, equipment, furniture, and valuable assets against risks such as fire, theft, vandalism, or natural disasters. It ensures that you can quickly recover or replace essential items to minimise downtime and resume normal operations.
=Liability Coverage: Office insurance includes liability coverage, which protects your business from potential claims or lawsuits arising from accidents, injuries, or property damage that occur on your premises. It covers legal expenses, settlements, or judgments, shielding your business from substantial financial burdens.
=Business Interruption: If an unforeseen event, such as a fire or natural disaster, forces you to temporarily suspend operations, office insurance provides coverage for the resulting loss of income and ongoing expenses. This helps you manage financial obligations and maintain stability during the recovery period.
=Employee Protection: Office insurance often includes coverage for employee injuries that may occur within the office premises. It helps cover medical expenses, rehabilitation costs, and lost wages, demonstrating your commitment to the well-being of your staff and fulfilling legal obligations.
=Flexibility and Adaptability: Office insurance policies are designed to be flexible, allowing you to adjust coverage as your business evolves. Whether you move to a new location, expand to multiple offices, or acquire additional equipment, office insurance can be tailored to accommodate these changes, providing ongoing protection.
=Peace of Mind: By having office insurance, you gain peace of mind knowing that your business is safeguarded against various risks and potential financial hardships. It allows you to focus on core operations, growth, and achieving your business goals without worrying about unexpected setbacks.

In summary, office insurance is essential for mitigating risks, protecting assets, ensuring business continuity, fulfilling legal obligations, and providing peace of mind. It is a valuable investment that helps safeguard your business’s future and promotes long-term success.

Insurance cover for office space.

Office insurance covers a range of essential protections for businesses operating from office spaces. These covers typically include property insurance, which safeguards your office premises, equipment, and assets against risks such as fire, theft, or damage. Liability insurance covers potential claims or lawsuits arising from accidents or injuries that occur within your office, protecting your business from legal and financial repercussions. Business interruption insurance provides coverage for loss of income and ongoing expenses if your office operations are temporarily disrupted. Additionally, office insurance often includes coverage for employee injuries and can be customised to suit your specific needs, ensuring comprehensive protection for your business.

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Office Contents Insurance

Cover will include your business contents including Fixtures and Fittings, Documents, Computers / IT Equipment and even Stock against a wide range of perils, including Accidental Damage and Theft.

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Employers Liability Insurance

There is a legal requirement to have an Employers Liability policy in place, should you have any Employees (even voluntary). If a member of staff is injured while at work this covers any compensation, they may be entitled to.

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Legal Expenses

Various insurers have this extension and many provide Legal Expenses Insurance to assist in defending legal action taken against you, often insurers include free 24 hour legal help line to assist with Employment Disputes, Tax and VAT disputes etc.

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Business Interruption

Cover for your loss of income following a claim whilst your business returns to normal trading. Alternatively, cover is also available for additional expenditure to assist in the costs of relocating your business allowing you to continue trading as normal and minimise the impact to your client.

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Public Liability Insurance

If a member of the public suffers an injury as a result of your business, they can claim compensation if you are found to be at fault. Public Liability insurance will assist in the cost of defending the claim as well as any compensation that may be awarded by the courts.

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Optional Extensions

Often include things like Mobile Phones / Laptops on an all risks basis anywhere in the UK / World / EU

We use a range of insurers and tailor the cover to meet our clients needs. We review this each year to ensure that cover remains effective and costs remain competitive.

Contact us

Whether you want to find out a bit more about what we do or you need to discuss your existing policy. Get in touch.

Our Useful Office Resources

Ergonomic Workstation Checklist

This checklist is designed to help you evaluate your computer workstation to prevent common stresses and injuries
associated with use.

Download

Protect your business with comprehensive coverage and peace of mind.