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Your office is the very heart of your business, whether you work from home, are an SME or have a major corporate head office, so making sure it has the most appropriate protection is key to its smooth running.
Why do you need office insurance?
Hazards such as fire, flood and liability claims can be catastrophic to your business finances and may even wipe you out.
Where you have staff working in the office, you will be legally obliged to have employers’ liability insurance.
At UKInsuranceNET we can help find you cost-effective cover that is appropriate for your office insurance requirements.
So, what can office insurance cover?
Office insurance can include a number of elements of cover, from the commercial premises, to the contents and staff. Whatever your office set up, instance may typically be needed to protect your operation against hazards such as fire, water damage and theft etc.
Office insurance can typically cover all or some of the following, depending on your needs:
damage to or loss of the premises (if you own the buildings) due to an insured event (e.g. a fire or flood);
public liability insurance (even if you do not have members of the public visit your office, you may still need to have this cover to protect any third parties who visit your office such as cleaners or delivery people);
cover for the contents;
accidental damage to any glass or signage;
portable equipment cover;
professional indemnity insurance;
additional legal expenses including contract disputes and debt recovery.
What you need to know when buying office insurance cover
If you rent your premises, then check with your landlord as to what may already be covered, for example, his commercial buildings insurance may already cover the fixtures and fittings in your office (i.e. the non-moveable items).
Remember that in most cases, you can tailor the policy to suit your own individual needs, so it is important that you make sure that you have everything you needed covered.
If you are unsure as to what additional elements of office insurance you may need, or you have any questions relating to business insurance, then please feel free to contact one of our friendly team on 01325 346 328.
Finally, as policy features and benefits may typically vary depending on who you buy the cover from, so can the policy exclusions and excess amounts – so make sure you understand what they are.
Why choose us?
As long standing providers of specialist commercial insurance, we understand that the insurance you require for your office needs to be not only cost-effective, but can be tailored to meet your own unique business needs.
At UKinsuranceNET we are proud of our office insurance solutions, which gives you and your business comprehensive cover at what we believe is an affordable price – and without compromising on the protection offered.