Office Insurance can on first glance be a straightforward business insurance contract. It is offered by the vast majority of insurance companies as a package policy with a set wording, prescribed policy limits and an array of standard conditions and/or warranties.
The key to making sure that your Office Insurance policy suits your business is to use an Insurance Broker that fully understands your business, asks the right questions of you and who knows the insurance market and the various policies on offer inside out.
Important factors to consider when arranging your Office Insurance policy include:
- Adequacy of your sums insured, particularly with regarding to your computers, associated equipment, software, etc
- Loss of documents -how would you reinstate your records?
- Are your laptops, tablets, smartphones and other portable equipment covered?
- The Insurers minimum security requirements – can you comply with them?
- Business Interruption – how would your business be affected if there was a fire or flood at your office? What would happen if the power or water supply were cut-off or if you could not access the premises due to an incident nearby?
- Liability Insurance – do you need more than that provided by a standard office policy? Are you supplying any products?
- The premises you work from – do you have a serviced office, a modern building, an office at home or work from a converted Listed building?
We have access to specialist Office Insurance wordings specifically designed for Solicitors, Accountants, Architects, Estate Agents and IT Specialists, as well as a large choice of “standard” policies.This means that we will arrange for you an Office Insurance policy with the right Insurer and the right policy wording to suit your business.
We can also assist you with all your other business insurance requirements such as professional indemnity insurance or motor insurance. We will always be on hand to assist you with your office insurance throughout the year, especially if you are unfortunate enough to have to make a claim.