Get indemnity™ office insurance
Every business operates differently, however office insurance is flexible and can be tailored to meet the needs of a wide variety workplaces. What workplace insurance you require will depend upon a number of factors we discuss further below.
Unexpected events such as loss or damage to your equipment in the event of a fire, flood or theft; or potential damages and legal costs made by one or your employees or member of the public, can all be covered by an office insurance policy.
We work with a number of specialist office insurers to provide flexible cover to meet your business needs. Give one of our insurance brokers a call on 0345 625 0711
or complete our digital onboarding process
What type of office insurance does our business need?
Different workplaces have varying degrees of risk and the type of business insurance
you decide to purchase will depend upon your activities, how you operate and what your exposure is to loss or damage from property damage?
> Employers Liability
> Public Liability
> Product Liability
> Contents Insurance
> Buildings Insurance
> Specified All Risks Insurance
> Business Interruption
> Personal Accident
> Computer Breakdown
> Terrorism Insurance
> Legal Expenses
At get indemnity
™ we can compare office insurance quotes from a range of providers to meet your requirements. If you require protection for stock, or you undertake manual activities a commercial combined insurance
policy would be better suited.
Is office insurance suitable for working from home?
In the majority of cases there is no reason why an office insurance policy cannot identify your home address and offer protection whist you work from home. Please speak with an insurance broker
to discuss your needs.
Some insurers have started to offer specific working from home insurance policies. However, do not rely on potential cover offered under a home insurance policy because any association with a business could cause any claims to be denied.
Do we require office insurance in a shared working space?
If you work from a shared working space, the owner or operator of the building should have the necessary insurances in place. However, these may provide limited cover (if any) for your contents and personal possessions.
Office insurance can offer cover for portable office equipment such as laptops and mobile phones. Which if you are frequently working away from your premises, can offer valuable protection from damage and theft.
Office insurance definition
Office insurance definitions, insuring clauses and exclusions can vary, however the broad covers available are comparable under the below sections which we discuss in further detail below:
Employers liability insurance can protect against claims arising from injury or illness of your employees. You have a legal duty to protect the safety of their employees at work and it is one of the few types of business insurance which is compulsory under UK law.
Public liability insurance can protect against claims arising from property damage or injury to third persons (i.e., customers, suppliers, contractors or third persons) in the course of your business.
Product liability insurance can protect against claims arising from injury or property damage as a result of a fault with a product you have provided. Typically, this office insurance cover is offered in conjunction with public liability, even if you don’t provide products to your customers.
Contents insurance can protect against property damage or loss from a range of insured perils per the office insurance definitions. Examples of such perils include fire, theft, accidental damage, storm, flood, escape of water, impact, explosion and riot.
Buildings Insurance can protect the building the business owns against loss or damage from a range of insured perils. Examples of such perils include fire, storm, flood, escape of water, impact, explosion, riot and subsidence.
Specified All Risks Insurance
Specified all risks insurance can cover specific groups of items against defined perils (i.e. accidental damage and theft, which also includes incidents that occur away from the office). These items will be defined on the office insurance schedule (i.e. laptops, mobile phones or surveying equipment) and will be covered up to a specific value.
Business interruption insurance can protect against the loss of income from being unable to trade as a result of an insured event. The office insurance will protect against the consequential loss of the interruption to trade by indemnifying you for the loss of income or profit.
Personal accident insurance can provide financial support in the event of an accidental bodily injury to an insured person as defined in the office insurance schedule. Benefits will be payable for death or disablement and related medical expenses.
Computer breakdown insurance can offer protection for the failure of any computer equipment or computer records. The office insurance can provide for costs of modification of the computer equipment or replacement of computer records.
Terrorism insurance can offer financial protection from damage to property and consequential loss resulting from acts of persons carrying out activities directed towards the overthrowing or influencing, by force or violence, of any government.
Legal expenses insurance will assist with expert legal advice through a telephone legal advice service. In the event of a claim, the insurance can provide legal representation or unforeseen legal costs in a range of circumstances, typically relating to your property, employment, or contract disputes.
How to compare office insurance quotes?
Packaging some your insurance covers with the same insurer allows you to make cost savings. However, there are some office covers such as professional indemnity insurance
that will need to be purchased separately.
At get indemnity™ office insurance quotes can be offered within 24 hours and can be combined with other covers to ensure your business is fully protected from a range of potential legal liabilities and property damage incidents.
Please give us a call on 0345 625 0711 to discuss your needs and we can identify no-obligation office insurance quotes. At get indemnity™ we continue to see soft market conditions for small to medium sized businesses.
This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.