Office Insurance
Standard Cover
Terms and conditions are available in the policy document
For examples of exclusions and limitations please click here
The following is covered as standard within our office policy:
- Business Contents -Our policy covers your computer equipment and office contents (including the costs involved with reproducing documents & computer records at up to £1000 any one document/item).
This will cover you against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. - Business Interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under the policy.
A gross income sum insured of £250,000 with an indemnity period of 12 months is automatically provided. - Loss of Accounts Receivable - Covers money up to a maximum of £25,000 that customers owe your business, but cannot be collected due to loss or damage caused by an insured peril to your books of account or business records.
- Employers Liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.
- Public Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an accidental injury to any person or accidental loss or damage to their material property happening in the course of your business.
Our office insurance cover automatically includes the following extensions as standard:
| Extensions of Cover | Standard Cover Limit |
|---|---|
| Contents Extensions: | |
| Breakage or scratching of fixed glass and sanitary fixtures and fittings. | Upto the amount of your Contents sum insured |
| Damage to window frames following breakage of glass. | £500 in any one policy period |
| Damage to glass lettering or other ornamental work and alarm foil. | £500 any one loss |
| Damage to signs. | £1,000 in any one policy period |
| Loss or damage to your business goods while being carried in any vehicle(s) owned, hired or leased by you anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland. | £2,000 any one event |
| Replacement of locks following theft of keys from the office or authorised private residence. | £500 in any one policy period |
| Loss of money: | |
| In transit or bank safe (cash carrying warranty will apply). | £3,000 any one loss |
| From the premises during business hours (Money left unattended and not contained in a locked safe will be limited to £500). | £3,000 any one loss |
| From the residence of any principal or authorised employee. | £500 any one loss |
| From vending machines. | £300 any one loss |
| Outside business hours: | |
| From locked safe. | £1,500 |
| Not contained in a locked safe. | £500 |
| Non-negotiable money (e.g. crossed cheques, credit card counterfoils). | £250,000 any one loss |
| Personal Accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in the course of the business | Weekly benefit for disablement - £100 per week for 104 weeks. £10,000 for death, loss of limb or sight. |
| Your legal liability to pay rent on a tenanted property should it become uninhabitable following damage by an insured peril. | 25% of the total contents sum insured for up to 2 years. |
| Temporary removal of documents within the United Kingdom. | £1,000 any one loss |
| Damage to property at exhibitions within the United Kingdom. | £2,000 |
| Loss of metered water directly resulting from loss or damage by an insured peril. | £2,500 any one claim |
| Damage to landscaped gardens caused by emergency services attending your premises as a result of an insured peril. | £1,000 in any one policy period |