Office Insurance

Your office is at the hub of your working life. These days a lot of this work is achieved using electronic equipment, such as photocopiers, faxes and computers, so it's a good idea to get it covered. However, if you do suffer a loss, it isn't just about replacing those items, but dealing with the disruption caused by losing access to your systems and records. Coversure offers office insurance policies with many options to help with this, from policies incorporating computer breakdown cover to business interruption and legal cover, we do it all.

Office policies are available with:

Business Contents

Business Interruption

Various Money covers

Glass Cover

Public Liability £2,000,000

Employers' Liability £10,000,000

Legal Expenses Cover

Additional Options available:

Computer Breakdown cover

All Risks cover (business equipment away from the office)

Buildings

Personal Assault

Theft by Employees (Fidelity Cover)

FAQ's

What is Employers' Liability Insurance?

If you employ anyone, or you are a limited company, it is a legal requirement to have employers' liability insurance to provide cover should an employee be injured or hurt in the course of carrying out their work. The only exceptions to this are if you only employ close, direct relatives, such as a brother/sister/son/daughter/father/mother or you have a limited company and you are the only director, with no other employees. Employers' liability is only available as an add-on to an existing public liability insurance.

What is All Risks cover?

All Risks cover is cover for your contents or equipment away from the office premises. For example, you may take a laptop out of the office to do some work at home, or to a meeting at a client's premises. Normally your office insurance policy will not cover this, unless you add it to the "all risks" section of your cover.