insurance guide
Office Insurance Explained
Read our guide to office insurance for in-depth explanations of the features, exclusions and optional cover to make sure your office and business is properly protected.
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Commercial building insurance can be offered as a single policy to cover buildings, landlords communal contents and property owners liability.
Call our commercial buildings insurance experts to talk through your options:
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Any business that has staff must possess employers' liability cover by law, so we can include this in your commercial buildings insurance policy. This protects you against claims for safety-related incidents and accidents at your business premises where you are alleged to be at fault, including when equipment or tools are being used.
If you own and occupy your building, our commercial buildings insurance can cover your general contents, IT and machinery on a new-for-old replacement basis. Stock can be insured with flexible limits to allow you to remain covered at seasonal peaks.
Whatever the size and shape of your commercial building, we can offer you a range of buildings cover to protect you for fire, flood, accidental damage, escape of water and malicious damage.
We can provide property owners’ liability cover with our commercial buildings insurance to protect you against claims from third parties who suffer personal injury or damage at your buildings due to your negligence. Policy limits are flexible to suit your requirements.
If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.
If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.
We're here to help Mon-Fri, 9am-5pm
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Our guide explains the features and exclusions of shop and retail insurance.
No, we can offer cover to suit the size and requirements of your premises, to get you the best value for money.
Yes, so you are covered financially for loss of profit if you have to close your premises to sort out issues caused by an incident for which you are covered, such as a break in, burst pipe, fire, etc (check your policy document for full details). This includes money for setting up temporary premises.
Yes, through an 'all risks' section we can add to your package. This will cover items taken outside of the insured commercial building, for example laptops and other equipment when being taken to external meetings.
We can add cover for money left on site to your commercial building policy, although there may be restrictions on how you can store cash so as to minimise risk. See your policy documents or talk to your adviser for details.
We can offer three months of 'seasonal' cover, where you can increase your stock by an agreed percentage above your standard insurance limit. This means that during busy times of the year, such as Christmas and Easter, you do not need to amend your policy limits to cater for extra stock. If you want to add this cover to your commercial buildings insurance, just speak to your adviser.
Yes. To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
