Office Insurance

Designed for your Business

Office Insurance (and also Surgery Insurance) is designed to cover your business against risks which you are exposed to on a day-by-day basis. Be protected against risks such as fire, flood or burglary all the way through to a member of the public falling over and injuring themselves.

A package policy that will typically include the following:

Buildings Insurance

Buildings insurance covers the main structure of your property. If your building were to burn, or be damaged by extreme weather, your buildings insurance policy covers the costs of rebuilding or repair.

For further information on setting the correct Buildings Sum Insured, or if you need a professional valuation, please click here.

Employers Liability Insurance

Required by law if you have employees, this type of insurance protects you from claims from staff who have been injured or made ill at work through the fault of your business.

Public Liability Insurance

The nature of your business may mean that customers will be visiting your premises, and if they happen to have an accident and injure themselves whilst there, you might end up facing a claim if it was your fault.

A customer might, for example, trip on a carelessly discarded box or item that has fallen from an overstocked shelf. If they hurt their back, or put their hand through a glass display resulting in a serious injury, they are likely to try to claim compensation.

Public Liability Insurance covers such claims and usually any legal expenses involved.

Products Liability Insurance

Products Liability covers accidental injury to the public or accidental damage caused by products supplied by your business.

Office Contents Insurance

Provides All Risks cover for loss or damage to office contents.

Business Interruption

Designed to help you keep your business going if it is interrupted by a cause covered by the Office Contents section. It covers loss of Gross Profit due to a reduction in turnover.

Money Cover

This covers loss of business money and can include theft by employees.

Legal Expenses

Cover can be arranged for Employment Disputes, Tax Protection, Legal Defence, Contract Disputes, Debt Recovery etc.