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Office insurance
Let us do the hard work
Our office insurance policy
With our office insurance policy, we make sure that your office and its contents are protected from a wide range of incidents, including fire, storm, flood, bursting of pipes, theft of contents or money, and injuries to members of the public or staff. Whilst these are well-known risks, an office insurance policy with Howden extends to additional specialist niches and office-related cover requirements.
What’s covered in our offices & SME office insurance policy?
Property damage
Office contents insurance protects your office contents against property damage risks, including exceptions. Office building insurance safeguards the physical structure of your office premises.
Underinsurance provision
Regularly assess your insurance cover to avoid underinsurance. Address potential gaps and protect your business adequately.
Business interruption insurance
Business interruption insurance covers income loss along with increased cost of working during unexpected events (e.g., fire, storm, and flood). Vital for business continuity.
Public liability
Office liability insurance: Protects against claims from third parties (e.g., customers, visitors) for injury or property damage. Essential for office spaces.
Employers liability
Protects your business against claims by employees for injuries / illnesses suffered in the course of their employment. Employers' liability insurance covers legal costs and compensation.
Legal expenses cover
Legal expenses cover assists with legal costs related to disputes, contracts, or other legal matters. Essential for peace of mind.
Who is offices insurance for?
Small business owners: Whether you run a startup, consultancy, or freelance practice, small office insurance is essential for your business.
Entrepreneurs: Office insurance safeguards entrepreneurs who lease office spaces. It protects against property damage and liability risks.
Professional service providers: Doctors, dentists, architects, and chiropractors rely on uninterrupted office operations. Office insurance ensures continuity and peace of mind.
Retailers and store-fronts: If you operate a retail business, such as a boutique or convenience store, office insurance covers property theft and damages.
Consulting firms: Management consultants, financial advisors, and legal professionals.
Creative agencies: Advertising agencies, design studios, and marketing firms can secure their office space with comprehensive coverage.
Tech startups: Office insurance is crucial for tech companies, ensuring smooth operations and mitigating risks.
Non-profits and Non-Government Organisations: Even nonprofit organisations need office insurance to safeguard their premises and assets.
Office Insurance FAQ’s
Office insurance protects your business premises, assets, and operations. It safeguards against risks like property damage, liability claims, and business interruptions.
Having office insurance is essential because it offers financial protection. It covers unexpected events, such as property damage, theft, or liability claims, allowing your business to recover without significant financial strain
Office contents insurance typically covers business personal property, equipment, and records. It includes protection against accidental loss due to various factors, such as fire, theft, or damage.
Purchasing office insurance online allows you to compare quotes from different providers easily. You can choose the coverage that best suits your requirements and budget.
Determine your specific needs based on factors like business size, industry, and risks. Consult with us, and we’ll find you the best tailored office insurance solutions.
