Office Insurance can be tailored by selecting insurance sections relevant to an office-based business.

The exact cover depends on the policy.

What property can be covered? #

Office contents can include items such as:

• Desks.
• Chairs.
• Office furniture.
• Computers.
• Printers.
• Other equipment.
• Fixtures belonging to the business.

Cover is subject to the property definitions and insured amounts.

Can Public Liability be included? #

Yes.

Public Liability can protect the business against certain claims involving third-party personal injury or property damage.

For example, a visitor could allege they were injured while attending the office.

What other sections can be included? #

Depending on the insurer:

• Theft.
• Glass.
• Business Interruption.
• Portable items.
• Money.
• Electronic Equipment Breakdown.
• Machinery Breakdown.

Does the policy cover every loss to office property? #

No.

Cover remains subject to:

• Insured events.
• Limits.
• Excesses.
• Exclusions.
• Property definitions.

Wear and tear, gradual deterioration and other excluded causes should not be assumed to be covered.

Does Office Insurance cover professional mistakes? #

Generally not.

Professional Indemnity Insurance should be considered separately where the business provides professional advice or services.