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Why QuoteSearcher for Office Insurance?
Running or managing an office requires a certain level of insurance that exceeds the standards offered by buildings and contents policies. Insurance for office space will need to cover the building, equipment inside, and the people that work there, making it a safe working environment for everyone.
Business insurance policies will cover the existential aspects of running a business, but your office will need further protection against things like fire, damage, and theft, as well as liability cover for employees and members of the public.
Office Insurance Policy Features
Employers’ Liability
This protects you regarding claims made against you as the employer by members of staff. Find out more about Employers’ Liability.
Public Liability
Offers cover for claims made against you by third parties such as members of the public and visitors. Learn more about Public Liability.
Buildings and Contents
Covers the cost of your property and contents in the event of theft, fire or flood damage. Read more about Buildings and Contents Insurance.
Business Interruption
If your office becomes unusable and you need to close down your business, this will cover the lost income. Find out more about Business Interruption Insurance.
Office Renter Insurance
There are three areas that need to be covered as part of your office insurance policy – the premises and its equipment, the staff who work there, and the business itself. Each one of the three requires its own set of policy features if you are to be fully protected against all possibilities.
Premises Insurance
Your actual bricks and mortar location will often the hub of operations for your business. We recommend the following coverage for your Premises Insurance:
- Buildings Insurance
This is recommended in case of an event that would leave the building in a state of disrepair. A fire, flooding, of electrical damage would result in a dangerous working environment and even a stop to business. Office buildings insurance will pay out the cost of repairing whatever damage has been caused to the overall structure of the building itself - Contents Insurance
Equipment such as computers, POS systems, desks and office chairs, electronic whiteboards etc, are mission-critical to a lot of businesses. In the event of fire/water damage or theft, you will need to have everything replaced quickly in order to carry on working smoothly. With contents insurance, those costs will be covered so you can return to normal without delay
Public and Employer Liability
Your staff have the right to a safe and healthy working environment when they come to the office each day, and there are a number of ways you can ensure that, least of all by putting in place Liability Insurance for your employees.
- Employers’ Liability Insurance
This is an integral part of running an office. Business owners are required by law to have employers’ liability insurance in place, and not having a policy of this type can result in fines of up to £2500 per day. Employers’ liability insurance will cover the medical, legal and compensation costs that can arise from claims made by employees against you. Not only will injury or illness cause them to be out of work and therefore out of pocket, but if will detrimentally affect the running of your business, so it is in everyone’s interests to make sure this policy is effective. - Public Liability Insurance
The average office can be visited by any number of different people – from guests and visitors to the business, contractors, workmen, or customers. It is important that, should any accident or injury happen to them, you are covered against any potential claims made against you. Slipping on a splash of coffee in the kitchen, to an electric shock from poorly wired computers can lead injury and, even if it is an accident, you would be held liable and could end up forking out a significant amount.
Business Cover
When it comes to your office, the needs of the business are more than likely at the forefront of your mind. If, for any reason, your office is not able to be used for a period of time, you will experience loss of income and large pay outs, that’s what Business Insurance is for.
- Business Interruption
During times when your office is not operational, you will still be expected to pay staff, as well as the costs of bringing your building back to a usable standard. Business interruption insurance guarantees you an income during this time, which can be a lifeline during times of instability. This feature is highly recommended, as your customers and staff will expect certain levels to be upheld even with extenuating circumstances - Money Cover
Although a lot of business-critical transactions take place online nowadays, there are some businesses that keep cash onsite for any number of reasons. In the event of a theft of this money, your business needs to have it replaced as soon as possible which is where money cover comes in
Frequently Asked Questions about Office Insurance
I run a small business based just outside the city. QuoteSearcher put me in touch with partners who offer good quality insurance at the right price. I found exactly what I was looking for.
I just wanted to say how impressed I was with the ease in which I managed to purchase my very reasonably priced insurance online.