Office Insurance Guide
Office Insurance – Small Office Insurance
Small office insurance cover is designed to cover your business against risks which you are exposed to on a day-by-day basis. Be protected against risks such as a fire, flood or burglary all the way through to a member of the public falling over and injuring themselves.
A standard small office insurance policy will cover you for against many different risks. Most insurance providers allow you to determine which parts of cover you wish to include in your policy, some are standard and some are effectively bolt-ons.
In order for you to determine what cover you think you need and don’t need we have put together a summary of the types of cover available,click here to learn more. Remember that if you are unsure whether you need a particular form of cover then you speak to an insurance advisor and get more information.
Within the UK there are many different providers of office insurance they range from insurance brokers, intermediaries to insurance companies. At Decision Finance we have partnered with two of the leading providers of home and small office insurance, Icon Insurance and Norwich Union.
Both our providers are actual insurance companies as oppose to insurance brokers. We have specifically chosen these two providers as both are specialists in office insurance, they do not offer off-the-shelf insurance policies. They allow their policyholders to pick and choose the cover they want, they do not try and tailor your business around the insurance policy, they try and tailor the policy around your business, the way it should be done.
Small Office Insurance Providers:
Icon Insurance
Icon Insurance is an insurance company set up exclusively to offer insurance cover to small offices and home workers. Because of their focus on providing small office insurance and home workers insurance they have quickly become one of the leading providers of insurance in their field. Icon Insurance offer all types of cover associated with small office insurance and home worker insurance, cover such as contents, equipment taken away from the premises, employers liability insurance, public liability insurance and so on. If you would like a quotation forsmall office insurance click here
NorwichUnion
Norwich Union are the UK’s largest insurance company, providing insurance to a huge percent of the UK population. They offer cover for cars, homes, travel, medical and business insurance.
Norwich Union realise that small business owners sometimes find it hard to obtain good quality insurance cover that is specifically designed to protect their business. Due to Norwich Union’s extensive knowledge in insurance they are also quick to move when something does go wrong, helping you to get your business back on track if an accident occurs.
Under a standard Norwich Union small office insurance policy you will be able to pick and choose which cover you think you need. The following table allows you to quickly see what cover they offer as standard and what cover is offered as an extension:
Standard Policy |
Bolt-on |
Contents insurance Glass Money including assault Business Interruption Employer’s liability (this is required by law and is included within the Office Insurance Policy) Public and Products Liability Commercial Legal Protection |
Buildings and/or tenants improvements Employee Dishonesty Computer Breakdown Outstanding Debit Balances (Book Debts) Business Travel Personal Accident |
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