If you own your building outright, your office insurance can also cover your premises for any damages as a result of fire, flood, theft, or vandalism. The cover will usually extend to the building’s structure, along with any permanent fixtures such as doors, stairwells, and elevators.

The cover may also extend to damage caused by emergency services, such as when the fire brigade needs to break down a door to gain entry to your building.

Office contents insurance can cover the following for any unexpected loss or damage as a result of fire, flood, or theft:

• Key equipment
• Your office’s fixtures and fittings
• Furniture

If you rent or share the office space, your contents insurance can cover any fixtures or fittings that you are contractually obliged to maintain, even if they are owned by third parties.

If some or all of your employees work remotely, your office insurance can cover any equipment or devices that employees take home from the office, along with any specialist furniture or equipment you purchase for the employee for use at home.

Your public and employee liability insurance can also extend to cover employees who work remotely. It can also cover you for any incidents that may occur when an employee is spending time at a client’s premises – such as if they spill coffee on a client’s computer during a site visit.

We know that no two offices are ever quite the same. We will take the time to understand the unique risks you and your employees are facing, so that we can help you access the specialist insurance you need at a competitive price.