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In basic terms, this kind of insurance covers you, your business and your premises against various common risks. An office insurance package would usually combine a number of specific insurance types to protect you in this way. Although you could take them out separately, most businesses find it easier to have one overall policy that does what they need it to. Taking out this kind of insurance guards against common dangers your business could face from damage to your building from floods or fire to injury claims against you from staff, clients or the public.
Office insurance can also cover against libel or slander claims, staff dishonesty or even the loss of key business data. The crucial thing to remember for any business is taking out office insurance that does exactly what you need it to. There is no point in paying for cover you do not need after all! In the same way, you do not want to take out a standard office insurance plan that does not provide all the cover you need.
Pretty much all businesses which have an office on-site will find this sort of insurance useful. Whether you are a small business that only employs a few office staff or a larger organisation that has direct contact with the public on your premises, office insurance is essential. Without it, you are leaving yourself open to accidents or unforeseen disasters causing you major problems.
If something were to go wrong in this way with no insurance to help, you could well struggle to cope with the loss of earnings and also replacing any damaged stock or equipment. In addition, claims made against you for injuries to staff or the public while on your premises could be too much to bear without insurance. Do not make the mistake of thinking this will never happen to you - accidents can and will occur which is why office insurance is so crucial.
As noted above, office insurance is actually a general term for a range of policies you could combine into one package. The most common specific policies businesses opt to include are:
Taking out buildings and contents insurance can protect the building itself in the event of damage, floods or fires. This cover also protects office contents from theft or damage. Public liability is there for any business which sees the public or clients call into their office, public liability insurance is worth considering. This covers you for claims against you or your business from someone who has suffered personal injury or property damage while on your premises.
Employers liability insurance is a legal requirement if you employ at least 1 member of staff in your office. This insurance is there to protect your business and your staff from personal accidents or injury they suffer while in the workplace.
Included within your office insurance quote is business interruption insurance.
Business interruption covers your business against those losses that occur following an insured loss. For example, if there is a fire in the office you own / manage. Imagine if your business suffered a major fire and you couldn't trade for 6 months while the damage was repaired - business interruption insurance could pay for your lost earnings or additional costs while you cannot trade.
Under the office insurance policy, your computer equipment will be covered for:
Breakdown of computer equipment (including laptops)
Increased cost of working following a breakdown
Any increase in rental charges of computer equipment following a breakdown
For full terms & conditions, please see policy documentation.
constructaquote.com’s online quote comparison facility means that you enter your details once and our panel of insurers will provide competitive office insurance quotes for you to select from. You can also call our UK based sales team free on 08081 686868.
