Office Insurance

Protecting your business assets.

Whether you have a business premises needing contents insurance, or work from an office within your house, having the right insurance cover is important to ensure you adequately protect the assets of your business.

Typically a policy of this nature lasts 12 months, but covers under an office scheme vary and offer protection for a range of perils including your business’ Public Liability, Contents, Money, All Risks, Business Interruption as well as Employer’s Liability.

Most insurers offer Office packages with varying range of covers, some insurers include legal expenses, some do not. We will help you cut through the industry jargon and assist you to determine your needs and then find the best policy.

We can tailor cover to your company’s requirements giving you the peace of mind that you are covered for every eventuality, whilst not paying for cover that you don’t need, and our excellent customer service means that we can handle your policy from beginning to end. Feel confident in dealing with reputable commercial property insurance brokers such as Ellis David where we will able to offer the best tailored policy for your company.

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Four key features of Office Insurance:

Public Liability Insurance

If members of the public visit your office it is a legal requirement, with cover from £2m upwards.

Covers your business if a client or member of the public is hurt, killed of their property is damaged because of your business.

Office Contents Insurance

Protect your business assets from theft, accidental damage or fire and flood.

Office contents value can easily be underestimated, IT equipment can be included as required, reflecting your precise requirements.

‘All Risks’ cover

Protection for items that you or your staff may take away from the office for business purposes.

This can include mobile phones and laptops. Cover can be flexed to reflect where you work and how often you leave the UK.

Business Interruption

Provides protection if unforeseen circumstances leave your business premises unusable.

Gross Profit and Increased Costs of Working approaches can be applied.

Who needs Office Insurance?

Office Insurance is essential for anyone who runs a company with a business premises, whether this be at your home, or an external environment. Businesses can have a lot of high cost possessions, including computers and other hardware, but also things like desks, office chairs, even the sofas and water cooler in a client lounge. Without this space to work in, your business could suffer.

When considering the levels of cover to take out, it’s important to not underestimate how important basic office supplies are to you. Could you afford to re-equip your office from scratch if it were to be damaged in a flood, or even stolen? All without having a place for your employees to work and carry out business, maybe even putting your trading on hold? The most likely answer is no, and most small businesses struggle to re open after events like this without the proper insurance in place.

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Our team can tailor a policy to suit the exact needs of your business, rather than a one size fits all policy that can leave you open to risks.

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Have you ever been convicted of any offences involving fraud, theft, false accounting or other dishonesty or an offence (whether or not in the United Kingdom) relating to companies, building societies industrial and provident societies, credit unions, friendly societies, insurance banking or other financial services, insolvency consumer credit or consumer protections, money laundering, market manipulations or insider dealing? (required)	YesNo
Are you the subject of any current criminal proceedings? (required)	YesNo
Have you any convictions for any offences other than those listed in question 1 a) above which are not spent, whether or not in the United Kingdom (excluding traffic offences unless these resulted in a ban from driving or involved driving without insurance)? (required)	YesNo
Are you or have you ever been the subject of any civil proceedings, arbitration or litigation, including proceedings that resulted in a County Court Judgment (CCJ) or other judgement debts, in the United Kingdom or elsewhere? (required)	YesNo
Are you aware of any intention to begin such proceedings against you in the future? (required)	YesNo
Do you have any judgement debts (including CCJs) made under a court order still outstanding, whether in full or in part? (required)	YesNo
Have you ever failed to satisfy any such judgement debts within one year of making of the order (required)	YesNo
Are you or have you ever been, the subject of any bankruptcy proceedings, or proceedings for the sequestration of your estate? (required)	YesNo
Have you ever entered into a deed of arrangement or an individual voluntary arrangement (or in Scotland a trust deed) or other agreement in favour of your creditors, or are you doing so? (required)	YesNo
Have you ever been found guilty of conducting any unauthorised regulated activities or been investigated for possible conduct of unauthorised regulated activities? (required)	YesNo
Are you, or have you ever been, the subject of an investigation into allegations of misconduct or malpractice in connection with any business activity? (required)	YesNo
Have you ever, either in the United Kingdom, or elsewhere been - (required)
- refused entry to, or been dismissed or requested to resign from, any profession, vocation, office or employment, or from any fiduciary office or position of trust, whether or not remunerated? (required)	YesNo
- refused, restricted in, or had suspended, the right to carry on any trade, business or profession for which specific licence, authorisation, registration, membership or other permission is required? (required)	YesNo
- disqualified by a court from acting as a director of a company or from acting in a management capacity of conducting the affairs of any company, partnership or unincorporated association? (required)	YesNo
- the subject of a disqualification direction under section 59 of the Financial Services Act 1986 of a prohibition order, under section 56 of the Financial Services and Markets Act 2000, or received a warning notice to make such a direction or order? (required)	YesNo
Have you ever been a controller, director, senior manager, partner or company secretary of a company, partnership, or unincorporated association? If you answered "no" to question 8 you may proceed to section 12. Please tick (required)	YesNo

In respect of activities regulated by the FCA have you, or any company, partnership or unincorporated association of which you are or have been a controller, director, senior manager, partner or company secretary, during your association with that entity and for a period of three years after you ceased to be associated with it, ever - (required)
- been refused, had revoked, restricted or terminated any licence, authorisation, registration, notification, membership or other permission granted by any such body? (required)	YesNo
- been criticised, censured, disciplined, suspended, expelled, fined, or been the subject of any other disciplinary or intervention action by any such body? (required)	YesNo
- resigned whilst under investigation by, or been required to resign from, any such body? (required)	YesNo
- been the subject of any civil action which has resulted in a finding against you or it by a court? (required)	YesNo
Has any company, partnership or unincorporated association for which you have been a controller, director, senior manager, partner or company secretary, in the United Kingdom or elsewhere, at any time during your involvement or within one year of such an involvement – (required)
- been put into liquidation, wound up, ceased trading, had a receiver or administrator appointed or entered into any voluntary arrangement with its creditors? (required)	YesNo
- been declared by a court liable for any fraud, misfeasance, wrongful trading or other misconduct? (required)	YesNo
- been investigated or been involved in an investigation by an inspector appointed under companies or any other legislation, or required to produce documents to the Secretary of State, or any other authority, under any such legislation? (required)	YesNo
- been convicted of any criminal offence, censured, disciplined or publicly criticised, by any inquiry, by the Takeover Panel of any other governmental or statutory authority or any other regulatory body (other than as already indicated under 10 b))? (required)	YesNo
Are you currently a director of any company other than one which is a part of this company? (If “yes” please give details on the supplementary sheet). (required)	YesNo