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Office insurance

Think of your office environment and you will recognise the obvious need to protect valuable and specialist equipment. But the contents of the office are just a small part of what makes it valuable. Think of the critical business records on site, both paper-based and electronic; think of the people who populate your office and the specialist skills that they bring to the business. What does this collective value represent to your company, especially if your office constitutes the primary place of business?

No need to worry about your office or surgery - it's in safe hands. We offer insurance for office-based professionals and occupations, as well as insurance cover for surgeries including doctors, dentists, opticians, vets and alternative therapy practitioners.

Our aim at Towergate Riskline is to streamline your insurance program into one office policy to clarify and simplify so that you can readily see that the cover you get will accurately reflect the needs of your business. This allows you to concentrate on making your business a success. If we identify that you need specialist cover for Professional Indemnity we will advise you of this separately.

Key features

• Loss or damage to contents on an 'All Risks' basis
• Option for All Risks cover for office equipment taken anywhere UK
• Glass
• Business interruption
• Money including personal accident (assault)
• Employer's liability - £10,000,000 any one claim
• Public liability - £2,000,000 any one claim – higher limits available

Options

• Buildings
• Book debts
• Computer breakdown

Excesses

• From £250

Exclusions

• Where cover is arranged on an 'All Risks' basis exclusions will apply for example corrosion, rust, electrical mechanical breakdown, depreciation, wear and tear, gradual causes, damage whilst items are being cleaned, repaired altered adjusted or maintained (this list is not exhaustive)
• War, invasion or act of a foreign enemy
• Employee dishonesty (unless this option is added to your policy)
• Fraudulent claims
• Professional negligence

When you call Towergate Riskline, you will deal with knowledgeable insurance professionals who will work with you to efficiently identify your office's requirements. Using our specially-negotiated facilities with reputable insurers, we will advise you on a tailored insurance solution providing bespoke cover for your office.

For more information on this office insurance please go to the frequently asked questions section.