Office Insurance
When you lock up your office and go home in the evening, you may not give too much thought about what may happen if a problem overnight meant that you weren’t able to continue where you left off the next morning. Should such a thing happen, commercial office insurance might be your major safety net.
Such situations are not, unfortunately, restricted to the world of fantasy.
There may be any number of reasons why problems and traumas of this sort may arise. Just two examples may include:
- the building housing your office may have been damaged in a storm or a fire;
- a structural fault closes the building for safety reasons.
If your office or business premises become unusable as a result of unexpected circumstances or events, you may not only suffer inconvenience. That’s because it’s a tough world. Some of your customers will have their own deadlines and commitments – they may just take their business elsewhere.
The possible end result for you?
- a loss of customers;
- a loss of income;
- material losses of equipment, office technology and stock.
If you have large or small office insurance in place though, you may find that you can minimise these losses. Depending on your business insurance policy, you may be eligible for:
compensation for loss of gross income if you do lose business due to a covered event or;
compensation for increased working costs – for example, rent for temporary accommodation, business equipment etc.
Liability insurance
Our standard office cover also typically includes liability insurance for:
- public liability;
- employers’ liability (this element of protection is usually a legal requirement if you have employees);
- products liability.
This means that you can feel confident that all your bases are covered, no matter what life throws at you!
Cheap office insurance – the optional extras
Depending on the type of business that you run from your office, our insurance also contains a number of optional features that may prove attractive to you.
For example, at any one time you may be waiting payment from many of your customers. If your accounting records are destroyed, you may find it difficult to trace who owes what to whom.
- accounts receivables cover may help you better deal with potential losses of this nature.
If you work away from your office, you may occasionally take office equipment with you.
- insuring this for loss or theft may be a sensible precaution, particularly for those expensive items like laptops etc.
For the unexpected
For many business people, margins may be tight. We can offer a cheap office insurance solution including office contents insurance.
The thought of adding office insurance premiums onto an already stretched cash flow may not be an attractive one but it may be a lot more attractive that the consequences of not doing so. Our office insurance policy not only offers you peace of mind that your business is well protected, but you can also take advantage of the various business helplines that your cover provides, providing free help and advice on things that affect your business such as tax and legalities. We specialise in office contents insurance and commercial office insurance so call us today for your office insurance quote and make sure you are covered.
