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What is Office Insurance?

An office has three important aspects that any good insurance policy should keep at its heart.

  • Your premises and equipment (buildings and contents insurance)
  • Your staff and customers (public and employer’s liability insurance)
  • Protection of outgoing costs should you have to stop trading for a period of time (business interruption insurance)

Get these things in place and everything else comes down to the specifics of your business, your preference and of course your budget.

Do I need Office Insurance?

Office insurance is primarily focused on businesses that are run from a commercial property. Specialist policies are designed to account for the risks of your specific industry. The basic types of cover we talked about above are standard and/or legal requirements across all offices. They all have a premises, products or services and customers. This makes building the basics of your policy quite straight forward. Having said this, no two offices are the same. Understanding your specific risks and tailoring a policy to meet those is the job of a specialist insurer, and vital for your piece of mind. At the bottom of this guide you can also browse our related products section if you are unsure where you fall.

Public liability limits are usually set around £2,000,000 for commercial use policies.

Office Insurance Features Explained

This is to protect you and your customers. As the owner, you are responsible for making your office as risk free as possible but accidents inevitably happen. Public liability insurance will cover loss, damage or injury to a third party on your premises. For example – if a customer were to fall and injury themselves whilst visiting your office, your PL cover would pay out if a law suit were to arise.

The legal minimum cover is £5,000,000. Employers’ liability insurance guarantees you have access to adequate funds should you need to compensate a member of your staff for an injury or damage from a situation you, as their employer, are liable for.

Buildings insurance is only necessary if you own the property and want to insure as part of your complete business insurance. Otherwise the landlord/property owner will have the buildings insured on their own commercial property insurance policy.

That doesn’t mean that improvements you make will automatically be insured on your landlord’s cover. If you install a new kitchen, meeting room or something similar during your tenancy, this should be added to your insurance. As this is paid for and owned by you and so the insuring will be your responsibility. ‘Increased cost of working’ cover – What if you could simply pick up and move property and carry on working as if nothing happened, instead of claiming for business interruption while your building is rebuilt? It’s not for every business but read our explanation of how ‘increased cost of working’ cover could work for you.

If your property becomes ruined your business interruption protection will cover you to continue paying your rent, overheads, wages and other expenses that you need in order to keep your business alive while the problems are resolved. Indemnity Period – Your period of indemnity is the length of time you can claim for business interruption costs.

Imagine you turn your office upside down. Anything that isn’t attached and hits the ceiling as it falls is considered your ‘contents’. Anything that stays attached is considered ‘buildings’. Sinks, windows, light fittings etc. are therefore part of the building insurance. Desk, computers and cabinets are ‘contents’. If you rent the property your landlord will have their own policy covering the contents that belong to them.