Small office insurance

You are legally required to have Employers' Liability insurance if you employ any staff (one or more) or if you are a limited company you must have Employers' Liability insurance even if you are the sole employee.

As an office or professional services company you need adequate cover to protect you, your staff and visitors to your offices. It is therefore prudent to take out Public and Products Liability cover to help protect your business against possible claims.

Furthermore, you will need to insure your property including premises, fixtures and fittings, stock and equipment such as computers. Also it would be sensible to cover your loss of revenue should you be forced to suspend trading.

In the event of your business being unable to trade following a property loss you would be wise to consider Business Interruption insurance to cover your increased cost of working and/or loss of revenue.

Choosing a policy

Offices are exposed to their own unique set of risks everyday. You need to make sure that in the event of a loss you have sufficient cover to help your business survive.

What if...

• An employee trips over a loose cable and is seeking compensation from you.
• A faulty sprinkler system destroys all your computer equipment and paperwork.
• A key member of your sales force has their company laptop stolen from their vehicle.
• Important documents, contracts and blueprints are lost in the post and will now have to be re-drawn.
• Your computer system crashes losing substantial amounts of data and you need to bring in IT experts to repair the damage.
• There has been a break in at the premises and you need to repair the damage and change all the locks.

In addition to Employers' Liability, cover is also available for office contents and computers, portable equipment (laptops, mobile phones), Public Liability, and Business Interruption.