We have arranged an excellent office insurance package for you. The fully comprehensive cover is summarised below.
Office Contents are insured for the following range of perils:
Fire, lightning, explosion,
Riot, Malicious Damage,
Storm, Flood, Escape of Water,
Theft or attempted theft
Office Contents Includes:
Machinery, Plant, Fixtures and Fittings
Signs and Blinds
Tenant's Improvements and Interior Decorations
Computers and Ancillary Equipment
Other Electronic Office Equipment
Documents, Manuscripts and Business Books
Computer Systems Records
Cover also includes the following as standard:
Accidental Damage to underground services, pipes and cables and sanitary fixtures
Damage to the premises by thieves following theft or attempted theft
Replacement Locks following theft of keys
Temporary Removal of contents
Employees' pedal cycles and personal effects
Signs and Nameplates fixed to the buildings
Business Interruption - Loss of Income or Increased Cost of Working
Money on your premises out of business hours not kept in a locked safe
Money in your or any employee's private residence or in transit thereto
Damage to safes, stamp franking machines or containers
Breakage of fixed plain plate or sheet glass, including shelves and mirrors
In addition, cover can be extended to include the following:
All Risks on Specified Items away from your premises.
The ever-present threat of terrorist activity has resulted in the insurance industry and government representatives working together to maintain the availability of cover for such acts. In line with standard market practice our Office policy excludes ‘act of terrorism’, which we define as ‘acts of persons acting on behalf of or in connection with any organisation which carries out activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s government in the United Kingdom or any other Government de jure or de facto’. When providing us with details for a quotation, you will have an opportunity to request us to include cover for ‘acts of terrorism’.
You have the option to request a quotation on the basis of either of the following as the result of interruption to your business for up to 12 months:
Loss of Income - the reduction in income of your business and additional expenditure incurred to prevent such reduction.
Increased Cost of Working - if you do not wish to insure for loss of income, but solely for additional costs incurred to maintain your income, you may select this cover.