BlogPost: Office Insurance Basics

What Insurances Offices Need & The Most Common Office Claims

With offices across the country reopening and teams returning to work be it on a ‘blended’ basis or full time, business owners need peace of mind in knowing that they are properly covered for all kinds of that could befall them; from water leaks, slips & trips; employee injuries; to storm damage and power surges.

Office Insurance is usually a packaged policy that many businesses need and combines protection for Liability, Property Damage, Business Interruption, Computer Equipment & Money.

Building & Contents Insurance
Damage cover is available for your building, contents and anything permanently fixed in your office, examples would be your physical improvements to the building, such as fit out, lighting, windows, shelving or permanent fixtures. A general rule would be anything that is not fixed down would be included in your contents insurance.

Public & Employers Liability
While public liability insurance is not a legal requirement for businesses, it should be considered essential when members of the public visit your office.

Employers' liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. It is a legal requirement if your business employs one or more people.

Business Interruption
If your property suffers a claim such as flood or fire, and the business cannot trade or has reduced trade as a result of the incident, business interruption gives protection by covering additional costs such as rent, wages, overheads and other irrecoverable expenses needed to keep your business running while the problem is been resolved.

Most common office claims
We very often see water damage claims for offices. Sometimes from storm or wind damage and consequent ingress of water, or very commonly, burst pipes or failure of a water heater or tank. It is understandable, as sometimes premises are left unattended at weekends or on holidays and water can freeze if the temperatures drop suddenly. The damage is exacerbated if left undiscovered for a few days also!

Fire claims in offices are not common these days thank goodness, perhaps due to improved fire protection and awareness. The trend in recent years has been more of personal injury arena, such as slips, or employee claims for workplace stress.

Tailored to Your Unique Needs
No two offices are the same, and the cover provided will come down to the specifics of your business. Brady Insurance will endeavour to understand your specific needs and get you an office policy to meet your exact requirements with Insurers whose products suit you. We use the widest selection of insurers to offer our customers the best value and most comprehensive covers for office packages suitable for your needs and budget.

Call Brady Insurance Commercial team today or fill in our handy quote form here to get a competitive Office Insurance Quote!

Want to know more?
Talk to an expert

Contact Us