Office (Material Damage Only)


Target Market
Our Office (Material Damage Only) product is underwritten by Tokio Marine HCC and is suitable for offices (including contractors’ offices), surgeries, travel agents and recruitment agencies.
This is a material damage only product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, goods in trust and book debts.

The product also provides the option to cover legal expenses and terrorism cover. The product is not suitable for taxi offices (with public access) and offices used by money lenders, bailiffs and/or private investigators. In addition, the product is not suitable for any premises that is more than just an office, such as a contractors’ storage unit where the office only forms part of the premises. The product is not suitable for customers looking for liability insurances.

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