Office Insurance can be useful for businesses whose day-to-day operations depend on office premises and equipment.

What types of businesses can consider it? #

Examples can include:

• Professional services firms.
• Engineering consultancies.
• Design businesses.
• Accountants.
• Bookkeepers.
• Recruitment agencies.
• Real estate offices.
• IT businesses.
• Administrative services.
• Other office-based businesses.

What if I lease the office? #

A tenant can still have substantial property exposure even though it does not own the building.

The business may own:

• Furniture.
• Computers.
• Equipment.
• Fit-out.
• Signage.
• Other contents.

The lease may also require Public Liability Insurance.

What if the landlord insures the building? #

The landlord’s Building Insurance does not generally replace the tenant’s need to insure its own contents and business risks.

The lease should identify the responsibilities of each party.

What if the business has very little physical property? #

Consider whether the business could continue operating if the office was unusable after a major insured event.

Business Interruption can sometimes be more important than the replacement value of the physical contents.

What if staff mainly work from home? #

Tell Webber Insurance about the actual working arrangements.

Insurance may need to consider:

• The primary office.
• Equipment taken home.
• Portable laptops.
• Other business locations.

A standard office policy should not automatically be assumed to cover every remote-working exposure.