Personalise your office insurance policy

Public liability covers you if you accidentally damage a client's property or someone injures themselves on your premises. An example of this could be a member of the public using your office bathroom and slipping on a wet floor. If they became injured and took you to court, public liability would cover the costs you have to pay. We can offer cover from £1 million to £10 million.

If there is an insured event such as a flood or fire in your office and the building is damaged, our cover will pay the costs of reinstatement or repairs; this includes paying for debris removal and architect fees.

This cover is also applicable if you rent and have installed fixed shelving, a kitchen or bathroom.

The cover also includes boiler and fire/burglar alarm repair as standard (for items forming part of the buildings), although the damage must not be due to wear and tear.

You can chose business interruption cover if you've insured your premises, contents, or business property away with us. So whether you run your business from your own office or a shared office space, if your working premises become unusable due to an insured event such as fire or flood, business interruption will cover the costs of relocating and any lost turnover during this time.

If you regularly work at your client's site, and their office is damaged and has to close, you'll need to find somewhere else to work. Even worse than this, they might not be able to trade, meaning you've lost business until they can set up elsewhere. All of this costs you valuable earnings, something our business interruption cover will take care of.

If your equipment is stolen or damaged, for example if you break your laptop and can't work, business interruption can cover the loss of turnover.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

As businesses become increasingly reliant on technology they also face a host of cyber security risks. Our cyber cover pays for the costs you might incur as a result of cyber crime. If there’s a data breach or unintentional transmission of a virus, this cover will pay for compensating injured parties, defence costs and system restoration. It also covers loss of income in the aftermath of a cyber attack and the cost of investigating a ransom demand.

Under our data breach cover we provide access to IT forensics and data recovery experts. We also provide access to public relations and crisis management support, identity theft assistance and specialist advice that will help you prevent future incidents.