Most standard Office Insurance policies will cover Office Contents, Computers, Electronic Business Equipment, Money, Loss of Earnings and Public and Employer’s Liability. In addition there are optional extras to include Increased Cost of Workings, Accounts Receivable, Legal Expenses, and Terrorism etc. You could also insure Laptops and Mobile Phones and other Electronic Instruments outside the office within the UK, EU and Worldwide. Depending on the nature of business (from a small Letting Agent to a large Accountants) various security requirements may be applicable based on the levels of sum insured and the location of the office premise. Most of the office policies are written as “package policies” with basic cover to include most of the common requirements. If you require a specialist policy you will require a “bespoke commercial combined policy” to include all your specific demands and needs”.

Tip: the lower the risk to the Insurer the lower you can expect your premium to be. So, good housekeeping with adequate security or protection will make your Insurer look at your office risk more favourably.