Call centres rely on people, technology, premises and reliable communications to keep their customers supported. The right commercial insurance can help protect your business against the risks that could disrupt your operation.
Call centres can have a very different risk profile
from many other office-based businesses. Your
operation may depend on premises, employees,
technology, communications systems and the ability
to keep serving customers.
Understanding how your call centre operates is an
important part of considering the right commercial
insurance.
Offices, furniture, fixtures, computers and other contents can represent a significant investment for a call centre. Property cover may need to reflect the value and use of your premises.
Call centres can employ large numbers of staff across different shifts and roles. Employers' Liability and appropriate workplace protection can therefore be important considerations.
Phones, computers, servers, networks and communications systems can be essential to keeping your operation running. Technology failure can potentially cause significant disruption.
An insured event affecting your premises or equipment could interrupt your operation. Business interruption cover may help protect against certain resulting financial losses.
Depending on your operation, customers, visitors or other third parties may interact with your business. Public Liability can provide protection against certain third-party claims.
Call centres can handle customer information and rely heavily on technology. Cyber insurance may be relevant depending on the information you hold and how your systems operate.
Depending on your business, activities and risk profile,
there are a range of commercial insurance covers that
may be relevant to a call centre.
The right combination will depend on what your business
does, the people you employ, the property and equipment
you use and the contracts you undertake.
Protection for your premises, office contents, furniture, fixtures and business equipment, subject to the policy terms.
Cover may be available to help protect certain financial losses following insured damage or interruption to your business.
If you employ staff, Employers' Liability insurance will generally need to be considered and may be a legal requirement.
Protection against certain claims involving injury to third parties or damage to third-party property arising from your business activities.
Cyber cover may be relevant for businesses that rely on technology or hold customer information, depending on the nature of the risk.
May be relevant where your business provides professional advice, consultancy or other professional services.
Depending on your activities, cover may be available for certain money held or handled by the business.
Legal expenses insurance can potentially provide assistance with certain insured legal disputes and associated costs.
Computers, communications equipment and other business assets may require appropriate protection depending on their value and use.
A call centre can be heavily dependent on its people, premises and technology. A fire, flood, equipment failure, cyber incident or other insured event could potentially disrupt the way you operate.
Your income may depend on being able to answer
calls, access systems and keep your employees
working.
If an insured event affects your premises or
essential equipment, Business Interruption cover
may be available to help with certain financial
losses, subject to the policy terms.
Phones, computers, networks and other systems may be critical to your operation.
Fire, flood, escape of water and other insured events could affect your premises.
Data breaches and cyber incidents can potentially disrupt systems and operations.
Call centres aren't all the same. An inbound customer
service operation can have different requirements from
an outbound sales centre, telephone answering service
or outsourced contact centre.
Understanding your activities is an important part of
considering the right insurance arrangements.
Businesses handling incoming customer calls, enquiries, support requests or service operations on behalf of their own organisation or clients.
Businesses making outbound sales, marketing, appointment-setting or customer-contact calls for their own business or clients.
Operations providing customer support, account management, technical assistance or other telephone-based services.
Businesses answering calls and messages for other companies, including reception, booking and out-of-hours answering services.
Third-party contact centre businesses providing customer service, sales, support or administration services on behalf of other organisations.
Specialist telephone-based businesses with particular customer, contractual, technology or operational requirements.
Insurance is there to provide protection against certain unexpected events. For a call centre, understanding where a loss could arise can help when considering the insurance arrangements your business may need.
A fire, flood or other insured event causes significant damage to the premises. Staff may be unable to work from the office and equipment could also be damaged.
Your phone, computer or communications systems suffer a significant failure and your team is unable to operate normally.
A cyber incident results in unauthorised access to systems or customer information, potentially creating costs and disruption for the business.
An employee suffers an injury or illness arising from their employment and makes a claim against the business.
Arranging insurance for a call centre isn't
simply about choosing a standard office policy.
We take the time to understand how your business
operates, the work your employees undertake, the
technology you rely on and the contracts you have
in place.
From there, we can discuss the insurance options
that may be appropriate for your individual
circumstances.
Our focus is commercial insurance, helping businesses consider the risks associated with their individual operations.
We look beyond simply asking what cover you want and consider how your call centre actually operates.
We can approach suitable commercial insurance markets based on the circumstances and requirements of your business.
Your business can change over time. New contracts, employees, premises or activities may all affect your insurance requirements.
Here are some common questions about insurance for call centres and contact-centre businesses.If you can't find the answer you're looking for, speak to the Dixons team about your individual circumstances.
Tell us about your business, what services you provide and how your operation works. We can then discuss the insurance options that may be relevant to you.
Get a Call Centre Insurance Quote →Tell us a little about your call centre and we'll get back to you to discuss your insurance requirements.
