Office Insurance

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From public liability insurance to employer’s liability insurance.
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Office Insurance Explained

When getting insurance for your office, it is essential that it can cover all the important areas. Whether your office is big or small, it is considered as one of your important assets, hence it is crucial that it is properly protected.

What is office insurance?

Office insurance can help in protecting your business against any unforeseen events associated with your workplace. This can cover the damage or loss of your equipment in case there is fire, theft, flood, or any disasters happening on your premises. Aside from this, it can also cover the legal expenses and compensation costs, in the event that claims are filed by your employee or any member of the public.

There are four important aspects that you need to consider when choosing the right insurance policy. First of all, in order to protect your premises and your equipment, you should get buildings and contents insurance. The next things that you need to think about are your clients and staff. If you have more than one employee in your office, then it is a legal requirement that you should get an employer’s liability insurance. Public liability insurance can cover your clients as well as any member of the public who is on your premises.

Another important aspect that you need to protect is your reputation. If your company provides advice, designs, or any types of service to your clients, then you should purchase professional indemnity insurance. This is applicable to lawyers, accountants, architects, etc. This can cover you in the event that your client will sue you due for the mistake that you’ve done in your work. This policy can cover the legal costs as well as any other expenses required in defending your company.

Finally, you must also get business interruption insurance to protect your business in case you stop operating for a certain period of time. The cost of your policy will likely depend on your preference and your budget as well as the specifics of your business.

Finding the Best Office Insurance

What cover should you consider?

Just like your home, it is essential that your office premises must be insured. There is a wide range of covers that you need to consider when it comes to protecting your buildings as well as your fixtures, stocks, and any other contents that are found inside your premises.

Buildings Insurance

Your office premises is an essential part of your business, hence it must be protected against risks such as fire and floods. If you are the owner of the property, then it is your responsibility to obtain a cover for your building. However, if you are only renting the property, then most likely it will be your landlord’s responsibility.

Contents Insurance

You must also get an insurance that can cover the contents of your business premises. This can protect all your valuable things against theft, loss, or damage. Be sure to specify the correct value of your contents in order to ensure that you have an adequate cover.

Other Covers

If you keep any stocks in your premises, then you should get a separate cover for it. This should not be included in the contents coverage. Consequently, the fixtures and fittings cover should also be separated from the contents cover. The contents refer to the possessions while the fixtures and fittings refer to the fixed items such as the shelves, kitchen units, carpets as well as sales counters. If your premises has an exposed front, then you can get a shop front cover to protect its signage, awnings, as well as its cover windows.

Public Liability Insurance

As the owner of the premises, you want your office to be risk-free, however, accidents can happen anytime. This policy can cover injury to customers or damage to their properties. For instance, your customer or any member of the public might get injured while visiting your office.

Employer’s Liability Insurance

This can guarantee you that you will have enough funds in the event that your staff gets injured or ill while working in your company. As an employer, you are responsible for the welfare of your staff. No matter if your employees are freelancers, volunteers, or temporary, they must be covered with an employer’s liability insurance.

Business Interruption

In the event that your property gets damaged and you can’t continue operating, then the business interruption insurance can protect you. This can help you in paying the salaries, overheads, rentals, and other expenses while you are still trying to get your problems resolved.

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