Office insurance policies can be built to include:
If you are unable to use your office whilst repairs are being carried out to your property due to a claim, business interruption protection will cover you for the gross profit you would have earned during this period. This is to help pay your rent, overheads, wages and other expenses that you need in order to keep your business alive and well while the problems are resolved. Cover can be tailored to include loss of income and/or increased costs of working to ensure minimum interruption to your trading. This cover is flexible and the indemnity period can be tailored to suit your needs.
If you're an office that gives advice you may want to consider adding professional indemnity cover. Professional indemnity insurance provides legal costs to help you to defend claims made against you for wrongful advice or errors and omissions in connection with your professional services. Ultimately it will pay back legal expenses and the compensation you may have to pay should your client’s claim be upheld in court.
Anything within your office which is removable i.e. furniture and computer equipment, can be covered as office contents on a new for old replacement basis. If you take equipment out of the office we can cover this too, just make us aware of the specific items and their values. Computers can also be covered for mechanical breakdown but you should let the team know if this is something you require.
If you employ anyone at all, employer's liability is a legal requirement but can easily be built into your office insurance policy. Public liability can also be added to cover cases made against you by third parties who have been injured or had their property damaged due to negligence on behalf of your office activities.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
In the event of a claim please call the telephone number on your policy documents to speak with your insurer. They will talk you through your claim and help guide you through your next steps in the process.
You can also contact the office insurance claims support team at Towergate. If you feel you need additional support, or if you have concerns about the progression of your claim, our in house team are always on hand to help.
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Yes we are able to offer an "All Risks" section to our office package. This will cover items taken outside of the insured business premises i.e. a laptops and other equipment used for external meetings.
This is only necessary if you own the property, otherwise your landlord is likely to cover this as part of their insurance. If you do own the property we can help you find buildings cover as part of your overall office policy.
If required you can also cover money in the office, there may be terms on how we wish you store cash so as to minimise risk but all conditions can be found in your policy documents or you can simply ask the team.
No, our range of insurance packages enables us to deliver the right solution for both start-ups as well as established businesses.
Yes. You will need to cover your business equipment if this is not covered by your home insurance. You will also need to cover your liabilities resulting from your business activities (this is excluded from most home insurance policies).
You should notify your insurers of any damage to your property even if you think someone else may be responsible. Do not assume that just because the damage was caused by someone else that they are legally liable. The law allows for genuine and fortuitous events and also bear in mind that they might not be insured or in a financial position to pay for your damage which will cause you delays and interrupt your trading.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.