At Brownhill Insurance Group, we’re not just about protecting you after the storm; we’re about helping you avoid it altogether. Our commitment to your peace of mind extends beyond claims, which is why we’ve crafted this guide to help you stop a loss before it happens.
We have access to a wide range of insurers who can cater for office based risks covering you for the usual perils you would expect.
Also we can look to insure other aspects of your business which do not form part of a standard office insurance package, from your professional liabilities to your art collection and business travel.
Standard Covers Available
Covers the offices, outbuildings, gates, fences and boundary walls.
Tenants improvements to a property paid for by the policy holder. This can include redecoration, extensions, and structural alterations.
Covers items within the premises such as furnishings, furniture, equipment and machinery in the event of loss or damage.
Provides cover for stock in trade, wines, spirits and tobacco in the event of loss or damage.
Business interruption insurance provides cover for “consequential losses”. Cover will only ever engage where a valid claim arises under the material damage sections of the policy.
A consequential loss generally will be the reduction in turnover or Gross profits caused by the insured event.
- Gross Profits
- Loss of gross income
- Increased and / or additional cost of working
- Loss of rental income
This section provides cover for goods in transit such as items bought at a cash & carry.
- Money cover is provided to protect business money at the premises
- Personal Accident is an extension / additional coverage in adjunct to money cover
It provides a lump sum payment to a staff member taking money to a bank who is assaulted. A weekly benefit is usually also payable if the staff member is off of work as a consequence of the assault.
Employers Liability is a legal requirement if you have any employees.
Provides coverage against
- Legal Liability for injury caused to third parties
- Third party property damage
This list is only a small selection of the available additional covers and services for Office Insurance:
- Glass (if not covered under the Buildings Sections)
- Legal Expenses
- Professional Indemnity
- Business Travel
- Directors and Officers
- Computers breakdown
- Cyber Liability
- Disaster recovery
- Cover for portable equipment anywhere in the world
- Health and safety advise, procedures and policies
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Brownhill Insurance Group Limited is authorised and regulated by the Financial Conduct Authority, registration Number 3061311.