What Cover Is Provided By An Office Insurance Policy?
Office Insurance provides protection for a number of risks faced
by businesses undertaking sedentary activities. It is also often
the most cost effective way to provide for your legal requirement
to carry Employer's Liability Insurance.
Office Portfolio provides good quality protection for your
Business Property, Business Earnings and Legal Liabilities.
What Is Included?
The plain English wordings contain many outstanding features
that you may not find under a standard policy of this type. These
include:
Standard Covers:
Office Contents/Computer and Ancillary Equipment at
your Home Office (Including Portable Equipemt & Laptops): Cover for "All
Risks" of Loss or Damage (including Full Theft), to your Office Furniture,
Computers and Business Equipment, Documents, Business Books, Computer System
Records.
Additional Expenditure: The reasonable and additional
costs and expenses you incur in order to continue your business following an
insured loss to your business.
Employers' Liability: Legal liability cover for death
or bodily injury to employees whilst working for you.
Public and Products Liability: Provides protection for your
legal liability to third parties should you injure them or damage
their property.
Additional Benefits:
Business HR: Access to a free and online Human
Resource support tool exclusive to Hiscox Policyholders.
Glass Cover: Protection in the event of breakage of
internal or external glass.
Money (including Assault): Protection against loss of
money belonging to your business and risk of assault.
Computer Breakdown: £5,000 - Cover is subject to a
full parts & labour maintenance agreement being in force.
Lock Replacement: Following theft of keys involving
force and violence.
Outstanding Debts: Which you are unable to recover as a direcft
result of isured damage to your accouting records.
What is not Insured:
The following is a list of some of the principal
exclusions (full details are provided in the policy wording).
Damage caused by wear and tear, inherent defect,
frost and any gradually operating cause.
Theft from any unattended vehicle unless the item is
out of sight in a locked boot.
Any computer virus Loss due to clerical or accounting
errors.
Manual Work undertaken, unless declared and agreed by
underwriters.
Pollution.
War, Confiscation, Nuclear Risks.
Please note that the above is only a brief policy summary. A
full policy wording is available on request.
Whats Covered
•