Office Insurance

Office Insurance

Office Insurance products are designed to meet the demands and needs of clients wishing to protect their assets, earnings and legal liabilities of their business. At Dixons Commercial Insurance Brokers we have access to a wide range of Office Insurance products that can be tailored to meet your needs.

You will typically expect the following elements of cover under a Office Insurance Policy:

Buildings

All risks cover for buildings, including the cost of demolition, removal of debris, shoring or propping up, architects and solicitors fees
Loss or damage arising from subsidence, ground heave and landslip is available as a further optional extension

Contents

A office policy will offer All Risks cover which includes loss or damage to office contents, computer equipment, landlord’s fixtures and fittings, tenant improvements and business records including theft cover and subsidence

Business Interruption

Cover options are:

Loss of Income as a result of loss or damage by any cause covered by the Contents section. The sum insured and indemnity period is selectable

Additional expenses to meet additional employment costs, any additional abnormal expense and the cost of obtaining and occupying temporary offices or surgeries

Book debts cover up to £500,000 to cover outstanding debts that cannot be traced if your accounts are destroyed

Liabilities

Public Liability covers your legal liability in connection with your business for accidental injury to members of the public or accidental damage to property not owned by you up to the limit of indemnity as shown in the Schedule

Employers’ Liability covers your legal liability to your employees for death or injury in the course of their employment with you up to £10 million any one claim

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.

Other covers you might consider:

Trade Body Associations

We have access to a wide range of products that will tick all the right boxes for businesses require to meet their trade body requirements:

Contact us today to discuss your needs further

Get A Quote

    Skip to toolbar