Office
Insurance

Protection for your home or bespoke office

We understand that a lot of our clients run their businesses from home or from bespoke office premises so if you have purchased business contents then it’s sensible to arrange insurance protection against various common risks such as fire, flood, storm, accidental damage, and theft.

Sums insured

When assessing your office insurance requirements, you must make sure that the sums insured adequately reflect the “new for old” replacement cost of all of your business contents including computers and electronic equipment within your home or office premises. If you buy new contents and equipment during the year, then it’s important to keep your policy updated. If your sums insured are inadequate then the Insurer could reduce the amount that they pay in the event of a claim.

Portable equipment

This covers the electronic and specialist equipment that you take with you when you are “working away” from the office such as: Laptops, Tablets and Mobile Phones which can be prone to being lost, dropped or stolen.

High value portable equipment

We understand that many of our clients use high valued portable equipment including Total or Multi Stations, Theodolites, Laser Scanners and GPS Systems in the course of their business activities. We can tailor a policy so that “All Risks” cover is provided for key items of equipment.

Minimum security requirements

Insurers like to know that your office is safe and secure and they normally require a Minimum Standard of Security to be in full and effective operation when your premises are closed for business. Any security requirements will be fully detailed in our quotation documents. Insurers are prepared to be flexible so we can always negotiate with the Insurer if you don’t quite meet all their requirements.

Property removed from your premises

Some Insurers might restrict cover for theft from unattended vehicles and will only provide cover if any portable equipment is out of sight from the exterior of the vehicle and all protections fitted to the vehicle are in full and effective operation. They may also restrict cover losses that occur between the hours of 06.00 am and 09.00 pm. There are acceptable alternatives to this so if you don’t comply, contact us and we will be happy to discuss these in more detail with you.