Commercial Express

The Value Added MGA

01384 473021

Office (Material Damage Only)


This product covers many types of offices without the extra cost of Employer’s and Public Liability cover. Get the cover you need for your small or medium sized business with our Office (Material Damage Only) Policy.

Features & Benefits

  • Contents & Business Equipment cover
  • Business Interruption
  • Money
  • Goods in Transit
  • Book Debts
  • Loss of Metered Water £2,500 any one claim, maximum £5,000 anyone period of insurance
  • Landscaped gardens - following damage by emergency services £1,000 in anyone period of insurance


  • Trace and Access up to £2,500
  • Capital Additions - 10% of the building sum insured or £250,000 whichever is less. 10% of trade contents for fixtures and fittings or £100,000 whichever is less.
  • Replacement of locks and keys following theft or damage £1,000 anyone claim
  • Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January
  • Rent Payable - up to 25% of the contents sum insured
  • Rent Receivable

Optional Extras

  • Buildings cover available as an optional extension
  • Glass, Canopies & Signs available up to a limit of £10,000
  • Household Goods available up to a limit of £20,000
  • Legal Expenses as an optional extension
  • Terrorism is available as an optional extra