OverviewWhether you work from home or from a separate business premises an office package policy should provide you reassuring peace of mind that your business property and liability is covered.
Who needs Office Insurance?
All office based businesses, whether working from home or from a separate business premises.
What does it cover?
Office Insurance provides cover for your computers, office contents, trade samples, business interruption and money as well as your Employers, Public and Products Liability exposure. Accidental Damage and the full range of insured perils, including subsidence and flood cover is usually provided by an office policy.
It provides cover for your computers, office contents, trade samples, business interruption and money as well as your Employers, Public and Products Liability exposure.
What else might you need?
- Professional Indemnity
- Directors and Officers
- Engineering inspection
- Employer's Liability, for which you will need to provide your ERN or PAYE number (read more here)
Other things to consider
If you work from a home office, you need to specify this when purchasing your insurance. Some insurers won’t want to insure both on the same policy.
All Office cover is subject to the underwriting criteria, terms and conditions of the insurers. Please contact our team for further details and to discuss your requirements.