When running an office, you want to make sure you have a good comprehensive policy that covers all aspects of the office environment. When searching for office insurance quotes you’ll want to ensure all aspects of your business and office are included, so what should you look for with office insurance quotes?
What Is Office Insurance?
Office insurance will primarily cover three main aspects of your office and business as a whole. These include protecting;
- Your workforce, customers, visitors and third-party individuals
- Your office and equipment on the premises
- The outgoing costs of the business.
All of these will usually have protection with;
- Employer’s liability (a legal requirement if you employ staff)
- Public liability
- Buildings and contents insurance
- Business interruption insurance.
While these are the policies that are typically included in office insurance quotes, insurers understand that every office is different. Therefore, you can tailor a policy you need to suit your requirements and cover your specific risks.
What Should I Look For With Office Insurance Quotes?
As well as the main aspects of office insurance mentioned above, other optional cover options could include;
Legal Cover – To support with legal fees if you face legal action from a third-party individual.
All Risks – Can cover your laptop and mobile phone as business assets. Furthermore, you can include them to suit your travel needs such as UK-only or worldwide.
Professional Indemnity – If clients take legal action based on the advice you provide.
As well as looking for optional cover to cover all of the specific risks of the business, it is essential to check the costs of the policy and the excess, to make sure this is an amount you can reasonably cover.
Furthermore, you may be able to save money on office insurance quotes if you have multiple offices or are considered a relatively risk-free enterprise.
Do you have questions about Office Insurance?
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