Office Insurance – Frequently Asked Questions
Why do I need office insurance?
Office insurance is essential for many businesses. If you have employees working for you then employers liability insurance is required by law. If you have customers, clients or members of the public visiting your premises it is also advisable to have public liability insurance should the unthinkable happen.
Your premises may also be vulnerable to burglary or vandalism and in either case you could lose a day or a weeks trading whilst you’re putting things back together. A comprehensive office insurance policy will cover your losses for lost trading days as well as replacing broken windows, doors and any stolen equipment, helping you get back on your feet as soon as possible.
How do I get an office insurance policy?
You can approach any insurance company on the internet or on the high street to get office insurance, but if you want a good deal on a great policy, you’re going to have to do some legwork and compare business insurance providers. You need to weigh up the pros and cons of each policy and the level of cover provided against the overall cost to determine which insurer offers the most competitive business insurance quotes.
Alternatively you could stay right where you are because at BusinessInsured.co.uk, we’ve done all the legwork for you. We can find the best quotes for the office insurance policy you need, provide the level of cover you require so you can do what you do best with complete peace of mind.
Will my office insurance policy cover me for all eventualities?
In a word, no. Different insurance policies provide cover for different things. As mentioned in question number one, employers liability insurance covers your staff in the event of an accident at work and is required by UK law. This does not cover members of the public who enter your premises, and will not provide cover for a burglary.
When getting office insurance, you need to make a list of what needs to be covered. As an example, your office could be on the ground floor on a side street close to several popular pubs and clubs. Due to its position it may be vulnerable to vandalism and this is something you should be covered for. If your office is on the 20th floor of an office block with 24/7 manned guarding, you need not worry about vandalism or damage from passing revellers.
When you consider your office insurance quotes, you need to make sure what they offer in terms of cover. Does it include public liability, employers liability and contents insurance? What is the excess you will be expected to pay in the event of a claim? Does the policy stipulate certain security measures from your self such as the installation of CCTV, security shutters etc? All these things could drastically affect the cost of a policy, and if a deal seems too good to be true, it often is.
At BusinessInsured.co.uk we work alongside a number of trusted business insurance providers in order to provide the best policies at a great price. Call our friendly UK-based team on 0800 1073404 or fill out our office insurance quote form now.