Office Insurance
Office insurance is a tailored commercial policy designed to protect office-based businesses from financial loss due to unexpected events like fire, flood, theft, or liability claims. It typically bundles building coverage (if owned), contents, equipment, and key liabilities (public/employer) into one package, ensuring business continuity.
Key Components of UK Office Insurance
- Contents and Equipment Cover: Protects items like computers, printers, furniture, and documents from theft, loss, or damage.
- Buildings Insurance: Covers the cost of repairing or rebuilding your physical office space (essential if you own the property).
- Public Liability Insurance: Protects against claims of injury or damage made by clients or visitors to your premises.
- Employers’ Liability Insurance: Mandatory in the UK if you have staff, covering compensation claims for employee injury or illness.
- Business Interruption Insurance: Covers lost income if your office cannot operate due to an insured incident (e.g., fire).
- Portable Equipment Cover: Protects laptops, phones, and tablets used outside the office.
Common Coverage Extensions
- Data Protection/Cyber Cover: Protection against data loss or cyber-attacks.
- Legal Expenses: Covers legal fees for various business-related disputes.
