Office & Contents Insurance explained
Many of us choose to take out Contents Insurance to cover the items within our own homes, and the workplace should be no different. Accidents and damage can occur at any time, whether during work hours or when the property is vacant.
If someone broke into your premises, or there was a fire or burst water pipe for example, the cost to replace or repair damaged items could be significant. To give yourself peace of mind for any eventuality, it’s always a good idea to take out Office & Contents Insurance. The policy can be tailored to suit your business needs and can include warehouse and industrial units.
What does Office & Contents Insurance cover?
Anything that can be physically moved can be covered in your Office & Contents Insurance including: telephones and furniture; computer equipment, such as monitors, printers and scanners; fixtures and fittings, such as carpets, lighting and blinds; and even plant machinery, tools, materials and stock. You can also add cover for portable equipment, when items are taken out of the office and could be damaged during transit or at home, including smartphones, laptops and tablets.
The damage or loss to data or documents is also an aspect that can be added to a policy and cover includes the cost of replacing and re-instating these in the event something happens.
Office & Contents Insurance covers your items in the instance of:
- Theft or attempted theft
- Fire, lightning, explosion or earthquake
- Damage by fall of aircraft
- Storm, tempest or flood
- Water leakage from fixed water tanks, equipment or pipes
- Impact by vehicle or animal
- Riots, strikes, civil commotion and malicious damage
- Subsidence, landslip or heave
- Accidental damage by a member of staff or even a family member at home
Your coverage will be dependent on your insurer and business – please check your individual policy for detailed information about what you’re covered for.
Speak to a member of the FMB Insurance team on 01353 652760 to discuss your policy, email [email protected] or request a quote online here.