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When it comes to selecting a business insurance policy for your office, it is crucial to ensure you have enough cover relating to all the main areas. This can differ from case to case. Below are some of the usual cover options.
What cover do I need to consider?
It is vital to ensure that your business office premises are properly insured. There are various types of cover you need to consider that offer protection for your buildings, fixtures, contents and stock.
You need to insure your office premises against risks, such as, flooding or fire. This is your responsibility should you own the property. However, if you are renting your landlord is likely to be covering this. You need to verify this with your landlord.
Similar to home insurance, the contents of your business premises ought to be insured for damage, destruction, loss or theft. It is vital that you clarify the correct value and specification of your contents before obtaining a quote to make sure you are adequately insured.
Fixtures and fittings cover
You need to differentiate between the contents, your possessions, and fixed items on the property, like; sales counters, shelves, kitchen units and carpets.
Shop front cover
Should your office have an exposed front to the premises, you may need specific cover for this to cover windows, signage and awnings.
Should you keep stock within the property, this has to be identified and insured separately from your contents.
How do you select your office insurance policy?
To pick the appropriate product for your needs, you ought to ensure that you pick the appropriate trade that represents your core business activity. Make a careful choice, ensuring that all necessary items are covered, check the wording of the policy in detail.
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