Office Insurance

For most small businesses, the office is a busy environment and can involve a set of risks quite different to those you might encounter at home. With Constructaquote.com office cover, you can tailor a policy to suit your exact business needs and therefore only pay for what you need.

The below are just some of the cover types you can include with your office insurance policy:

Office building insurance

Most offices contain a lot of expensive equipment like computers, printers and photocopiers. As all of these tend to be placed in the same area of a building, the consequences of a burglary could be devastating to your business.

If you own or are responsible for insuring your office premises, this optional add-on will cover you should your building be the victim of theft or become damaged as a result of fire, flood or other such risks.

Public liability insurance

Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public (both in and out the office). If your business operations were to injure a member of the public or damage their property in some way, public liability insurance would cover you in the event of a claim being made against you.

Employers’ liability insurance

If you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.

It is fairly typical for small offices to have large numbers of people working in a relatively small space. As such, the office can be prone to personal accidents, which if pursued in court could amount to large compensation claims against your business. Employers’ liability insurance could prove essential in removing this risk.