Office
Helping Businesses Thrive with Office Insurance Solutions
Overview
Having an Office Insurance policy in place is essential for any business operating from office premises, whether it is a single small office or a group of companies with multiple locations. Whether you own the building, rent from a landlord, or hot desk in a shared space, if you occupy an office, having the right level of insurance coverage is crucial for your business.
Ready to help minimise your risk and uncertainty?
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How We Can Help
We understand and acknowledge that each trade and business have unique risks and requirements, and comprehensive Office Insurance solutions are designed to meet those specific needs. Coverage can extend beyond traditional office spaces and can also include non-standard construction office units.
The Brown & Brown team can offer a diverse selection of Office Insurance products tailored to meet the specific needs of your operations.
What is Typically Covered?
- Property Damage Cover – It is essential to have cover for a number of risks to protect the building, machinery, equipment & contents, stock and other items that may be damaged.
- Business Interruption – This cover can help to protect the business by replacing lost business income, offering vital protection in the event of unforeseen circumstances.
- Employers’ Liability – Employers’ Liability Insurance offers protection by covering the Legal Liabilities associated with compensating employees who sustain injuries or fall ill as a result of their work.
- Public Liability – Whether it is a claim related to personal injury or property damage, having Public Liability Cover in place can provide peace of mind and financial security for your business in covering your Legal Liabilities in connection with the business causing damage or injury to third parties.
- Product Liability – Likewise this can cover your Legal Liabilities regarding compensation claims for injuries or property damage to third parties caused by products sold or supplied.
There are many variable covers that may be part of the package including but not limited to:
- Book Debts
- Equipment Breakdown
- Good In Transit
- Legal Expenses
- Money Cover
- Personal Accident
- Professional Indemnity Insurance
- Specified All Risks
- Terrorism
- Theft By Employees
What is Not Typically Covered?
- Losses as a result of cyber attacks
- General property deterioration
- Losses from dishonest employees
- Clerical or accounting errors