If you have an office, you may be wondering which sorts of office insurance you should have in place, and looking for various different insurances to make sure that your business is covered for every eventuality. Money Pug can help.
Compare Office Insurance With Money Pug
With Money Pug, you can compare a wide range of different office insurance policies, including:
- Business buildings and contents insurance.
- Public liability insurance.
- Employer’s liability insurance.
- Professional indemnity insurance.
- Business interruption insurance.
We can also help you to find your way to other business insurance policies or policy additions specific to your line of work such as computer breakdown and cyber insurance, or protection for cash on the premises.
What Office Insurance Might I Need?
When thinking about what sorts of office insurance you might require, it can be helpful to think about four different categories, these are:
The office building and its contents.
It is important to have adequate buildings and contents insurance in place for an office.
Employees and customers.
If your office has more than one member of staff, it is a legal requirement to have employer’s liability insurance. If you welcome customers or members of the public onto the premises, you may need public liability insurance.
If you provide advice or professional services to clients, to protect your professional reputation you may wish to take out professional indemnity insurance.
You can protect business finances with business interruption insurance.
Choosing Office Insurance:
No two offices are exactly alike and the type of insurance and level of cover that you require for your office will depend on a number of factors, such as:
- What your business actually does.
- Your annual turnover.
- The number of people you employ.
- Whether or not you have customers on your premises.
- What kind of equipment and furniture is in your office.
You will need to determine not only what types of insurance you require but also the levels of cover you will need. One thing you will need to do, for example, is take an inventory of the contents of your office to get a figure for your contents insurance. It is important to make sure that you are not under insured, as this could lead to major problems down the line.
Before choosing any office insurance policy, it is important to make sure that you have read all the small print and understand exactly and clearly what is covered by the policy and what the exclusions may be. There are many different facets to office insurance but comparing your options with Money Pug can be a great place to start. Compare for all the different sorts of office insurance or business insurance today and you may be amazed by how affordable it can be to get all the necessary cover in place.