Office Contents & Office Combined Insurance

  • Architects
  • Surveyors
  • Engineers
  • Computer Consultants
  • Advertising & Media Agencies
  • Home Workers
  • Employment Agencies

The Office Combined policy enables you to cover your complete office insurance requirements within one policy.

Section 1 - Employers', Public and Products Liability

(Only available with office combined)

Employers' Liability Insurance is compulsory under the Employers' Liability (Compulsory Insurance) Act 1969. This insurance protects your business against Legal Liability for costs and damages that you may be legally required to pay as a result of injury or disease affecting an employee. The indemnity is restricted to claims by employees under a contract of service or apprenticeship with the employer.

Public Liability Insurance protects your business against Legal Liability for accidental bodily injury to, or accidental damage to the property or members of the public caused in the course of the business.

Products Liability is automatically included in this section. This insurance protects your business in respect of claims against your business arising from products manufactured and supplied in the course of the business.

Section 2 - Building & Contents Cover

This section covers your requirements as owner or occupier of the premises. Cover is tailored to meet your business activities, so some sections may not be required. Insurance is available for:

  • Buildings - including. subsidence
  • Contents
  • Glass, blinds and signs
  • Money
  • Malicious Attack
  • All Risks
  • Computer Breakdown
  • Deterioration of Stock

Section 3 - Business Interruption

Provides insurance for loss of gross revenue or increased cost of working as a result of interruption or interference caused by damage to the property.

Cover includes:

Denial of Access, Public Utilities, Book Debts, Unspecified Suppliers.

Section 4 - Legal Expenses

Provides cover for expenses incurred in Employment Disputes and compensation awards, legal defence, property protection, bodily injury and tax protection.

Section 5 - Personal Accident

This insurance provides compensation for you and your employees in the event of an accident or injury. Cover is available for individuals or as a group policy and as occupational only or 24 hour basis.

Recruitment Extensions

We have access to specialist market facilities that allows us to provide cover for recruitment and employment agencies.

  • Drivers Negligence
  • Fidelity Bonding
  • Professional Indemnity

For a quotation or more information please contact us.