Property insurance for all your important physical assets
Property insurance can cover for loss of or damage to property at your premises arising from an event that is sudden, unexpected or uunforeseen
The types of situation that property insurance can cover include (for example):
• Damage to your premises caused by a fire
• Theft of computer equipment or other assets by a third party
• Burst water pipes in your commercial property damaging walls and carpets
• Malicious damage caused by vandalism.
For your business to be adequately protected, it is important that you accurately identify the value of all of the assets that contribute to the operation of your business. This can allow you to replace them if they are lost or damaged as a result of an event covered under your policy. Your property includes the obvious items your business uses every day (e.g. computers, printers, desks and other furniture) as well as all of the fixtures and fittings of your premises such as carpets, partitioning, plumbing and wiring. If you need to make a claim, you need to be sure that the value of each of these assets is accounted for in the amount of insurance cover you take out.
With decades of experience in advising businesses about their office insurance needs, we can discuss with you, all of the things you need to consider to make sure your cover is complete.
Contact us for expert advice about the type and amount of property insurance cover your business realistically needs to protect itself properly.
Office Insurance Offerings
Business Interruption
Business interruption insurance can provide a financial stop gap until operations can return to normal.
Employee Dishonesty
Employee dishonesty insurance can cover your business for the theft of your property or money by an employee (acting alone or with others).
Machinery Breakdown
This insurance covers the cost of repairing machinery, such as air conditioning, plant and refrigeration equipment that has occurred as a result of a breakdown.
Property
Property insurance can cover for loss of or damage to property at your premises arising from an event that is sudden, unexpected or unforseen.
Specified Property
This section of your office insurance enables you to nominate specific items of property that can be covered when held within or beyond your premises.
Computer & Electronic Equipment
This insurance covers loss of income, additional expenses incurred to repair the equipment and the costs associated with restoring lost data arising from the breakdown of electronic equipment.
Glass Breakage
Glass breakage insurance covers the accidental breakage of all internal and external fixed glass, toilet and hand basin porcelain, glass signage, mirrors and similar.
Money
Money insurance can cover loss or damage to money or negotiable documents as a result of theft or loss, destruction or damage caused by any accident, not otherwise excluded.
Public Liability
Public liability insurance can cover you for your legal liability for personal injury to a person or damage to a person’s property caused by your business.
Taxation Investigation
Taxation investigation insurance provides cover for all necessary costs reasonably incurred in the completion of a tax audit or investigation by a statute body.