Do I need office insurance?
In helping you to decide if you need office insurance the first thing to do is ask yourself a few questions:
Click here for office insurance
Now that we have identified a few common problems offices and businesses may face we can look at how an office policy that can put together.
Office policies all have premises cover. This is known as the buildings insurance which covers for damage to your office building(s) caused by fire, lighting, flooding and earthquakes.
You should insure your office building(s) for the full cost of rebuilding them which is normally very different from the market value.
Office contents insurance covers for theft or damage of stock and business equipment. In general terms this can cover anything that isn’t permanently fixed down. For example, items such as desks, computers & cabinets would be classed as contents. Whereas fixed items such as sinks, windows and light fittings would be classed as part of the buildings.
Click here for office insurance
Customers: Public liability insurance will cover loss, damage or injury to a third party at your office. As a business/owner you have a duty to make your office as risk free as possible but accidents do unfortunately happen. For example, if a customer was to trip and fall which resulted in an injury to themselves whilst visiting your office your public liability insurance cover would pay out if a law suit was brought against your business.
Employees: If you employ people you are legally required to have Employers liability insurance. This will cover you if an employee is injured at work, or becomes ill as a result of the work they do for you and you are deemed labile then the insurance covers the cost of compensation to the claimant and legal fees.
By law you must have cover for at least £5 million.
NB: Your policy should cover all employees including contract, casual, season staff, student or other work placements.
Click here for office insurance
If your property becomes ruined your business interruption protection will cover you to pay:
Click here for office insurance
You can compare office insurance by filling in one simple online form about you and your business, you will then be able to compare office insurance quotes and choose the one that suits you best
Our website uses cookies to enhance your browsing experience,
provide personalized content, and analyze our traffic. Some of these cookies are essential for
the website to function while others can be switched on or off.
By clicking "Accept all" you agree to
the uses explained in our Cookies Policy. If you click "Reject all" we'll block all non-essential cookies
but those crucial to the website's operation will still be used.
A cookie is a small text file that is placed and stored on your computer, mobile or other device, by the websites that you visit. Cookies are widely used in order to make websites work more efficiently and also to provide information on visitor behaviour to the website owner.
These are temporary cookies that remain in the cookie file of your device's browser until you close the browser. They enable certain site functionality and are also used by the server to store/remember information about user web page activities so user information can be stored throughout an online web process - for example this could be used to allow information to be carried across website pages so that you don't have to re-enter information.
These are cookies that remain in the cookie file of your browser for much longer. Generally speaking, these cookies are used to track website visits, including returning and unique visitors (first time visitors) and monitor how they interact with a website. They can also be used to help arrange content to match a user's preference's/preferred interests. However these cookies cannot be used by themselves to identify you.
We use cookies to:
Some benefits to you:
Some drawbacks
Booking process - We use cookies to maintain a user's session and allow data to be passed between different online pages within the quote engine in order to provide a quote/policy.
Google Analytics - We use these cookies as part of our web analytics activity to monitor traffic and compile reporting about how users are using our website, These cookies are used to capture anonymous data about how users journey around our website. Types of data it gathers number of visits, date of first & last visit, time on spent on the website
Online chat - We use cookies to let us know what pages you have been on, previous chats number of visits - this helps us to provide you with more relevant advice / guide you to the information you require.
To track traffic from referral website(s) - This cookie is used to ensure accurate payment to our partner website. In terms of referral information this is stored against a customer record within our database.
Please be aware that our website contains links to and from other websites. We accept no responsibility or liability for the content of these websites or the cookies they use. If you choose to visit another website via our website, you will need to contact them separately to have your personal information deleted from any records they might hold. It is also the responsibility of that website to detail their use of cookies to you on their website and get the relevant consent from you for usage.
We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.
When you decide to get a quotation or buy on line we will use necessary cookies for your security and to provide you with a policy.
If you do not want allow any of the other cookies, you can disable the use of cookies by using your internet browser settings. Please note if you disable the cookies you may experience slower running times and you may not be able to access all of our website content.