Office

 

Target Market
Our Office product is underwritten by Tokio Marine HCC and is suitable for offices, surgeries, travel agents and recruitment agencies.
This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, goods in trust and book debts combined with public, products and employers’ liability insurance.

In addition, the product also provides the option to cover legal expenses and terrorism cover. The product is not suitable for contractors’ offices, taxi offices (with public access) and offices used by money lenders, bailiffs and/or private investigators.

Features & Benefits


  • Contents & Business Equipment cover
  • Business Interruption
  • Money
  • Goods in Transit
  • Book Debts
  • Employer’s Liability
  • Public & Products Liability
  • 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
  • Legal Expenses as an optional extension
  • Terrorism is available as an optional extra