Office insurance is a staple insurance package for a wide variety of businesses ranging from accountants and estate agents, to media professionals and recruitment agencies. Cover is available as a single package although a further selection of supporting policies may be appropriate, depending on the structure of the business and the nature of the profession.
There can be numerous physical hazards in offices that may lead to accidents or losses. Faulty electrical wiring could instigate a fire, equipment may be damaged whilst being carried or an electrical lead in an exposed area could create a tripping hazard and cause a personal injury. This is before considering other risks that are linked to running an advisory business such as a financial loss claim due to wrongful advice (see Professional Indemnity insurance).
It can cost less than you might think to protect you from unforeseen risks, whether you lease or own the premises. Cover can be adapted to suit the needs of your business as it grows and as requirements change. The following covers tend to form the basis of a standard package:
The following linked or optional covers are also common considerations for businesses needing Office insurance - Computer and Electronic Equipment, Cyber, Money, Legal Expenses, Professional Indemnity, Directors & Officers Liability, Personal Accident, Terrorism and Engineering Inspection