Offices

What insurance do I need for my office business?

There are three main areas of insurance that you might be interested in if your small business operates from an office, and they protect three main things. The first is your property – your premises and equipment (covered by buildings and contents insurance). The second is your employees and the general public. If your business has one employee or more you will need employer’s liability insurance and if you have customers on your premises you will need public liability insurance. The third are your finances – protecting against something happening that stops their business from trading for a while. This is called business interruption insurance.

Claims examples

  • A ground floor office is flooded due to blocked drain and heavy rain fall. The office must be evacuated and staff moved to another premises whilst remedial work takes place.
  • An employee falls down the stairs whilst carrying a stack of papers.

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