Loss of Hire Insurance: Why It Matters in Commercial Shipping
In commercial shipping, vessel availability is directly tied to revenue generation. When a vessel is unable to trade due to…
read moreJames Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.
James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.
If you manage an office, no matter how big it is or what sector you work in, we can help you get the specialist insurance you need at a competitive price. We are an independent family-run Lloyd’s broker with access to a handpicked range of insurers, and we have been working to protect offices of all sizes since 1982.
What is office insurance?
Office insurance is specialist cover for your business premises, your equipment, your contents, and your employees. It can protect you for losses and damages that occur as a result of fire, flood, theft, workplace accidents, and other unexpected events.
Tailored office insurance can give you the cover you need whether you own your premises outright, or you rent it, or you use it as a shared space. You can get specialist cover whether you manage a small office with a handful of employees, or a large workforce across multiple floors, or even multiple buildings. We can even cover you if some or all of your employees work remotely.
Any office of any size will be full of expensive equipment. Through covering this equipment for damage or theft, office insurance can provide essential peace of mind that you will be able to recover from any unexpected setback.
As a workplace, an office may not be as hazardous as a warehouse, a construction site, or a factory. But accidents can still happen. And when they do, your office insurance can cover your staff, your clients, delivery drivers, contractors, and any other members of the public for any damages that may arise.
Finally, all offices are vulnerable to cybercrime. Your office insurance can also include dedicated cyber cover, which will help you respond to and recover from data breaches and other cyberattacks.
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:
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.
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