Office Insurance

From SMEs to larger organisations, we’ve got your business covered

We understand that every business is unique, so it’s important that your commercial insurance meets your requirements. Business or office insurance can cover a wide range of risks, either in one combined policy or across multiple individual policies and often comprises buildings, contents, public liability and employer’s liability insurance.

Why choose us

Our specialist commercial insurance advisors are here to help

It is widely accepted that numerous businesses are significantly underinsured. Many companies believe that a basic level of public liability and employer’s liability is sufficient to protect them, but unfortunately this is not the case. Our team take time to fully understand your business activities so we can determine the level of risk you are vulnerable to and make recommendations on how to safeguard your finances and keep the business operating should something unplanned occur.

Building and premises cover

From damage caused by flood or fire, insuring your business premises, fixtures and fittings makes sense. Should the unforeseen occur, many businesses would not be able to absorb the financial outlay of repairing or rebuilding their workplace.

Contents and stock insurance

Imagine everything in your office was stolen or damaged – the replacement cost could be astronomical, particularly when factoring in furniture and IT equipment. That’s why it’s vital to insure your contents, tenant’s improvements where appropriate, and stock (including deterioration of stock if applicable).

Public and employer’s liability

Most office insurance policies will include liability cover which protects the business should a customer, supplier, member of the public or employee make a claim against them. This typically includes legal representation, expenses cover and compensation awards.

Additional cover options

Most policies offer additional covers which we can discuss with you to ensure your business is protected in accordance with your specific requirements. Typically options include, but are not limited to: Personal Accident Insurance for you and your staff, Deterioration of Stock, Fidelity insurance to protect your business against dishonest employees

Spread the cost

If you’d prefer not to pay up front, QMT Commercial can help you spread the cost of your policy by splitting the amount into two monthly stage payments. Alternatively, we can arrange for you to pay the premium via direct debit, helping you easily manage your business cashflow.

Advice you can trust

Our specialist team of advisors work with you to find a policy that suits your individual business requirements and budget. We know you’re busy running your business, so we’ll do the legwork for you, comparing cover levels and premiums and only presenting the options we feel suit best.

What are the main features of a Office Insurance Policy?

An office insurance policy can be as simple as insuring the bricks and mortar and/or contents of your workplace, depending on whether you own or rent the building. However, most business policies consist of a much broader range of features and benefits entirely designed to provide more comprehensive cover of common workplace risks.

Main Features

Building, fixtures and fittings, typically including flood, subsidence and fire damage
Contents cover including options for transportable items such as laptops which may be taken home by employees
Employer’s liability to protect against claims made against the business by members of staff
Public liability to protect against claims made against the business by members of the public or other third parties
Cyber cover options to protect you and your customers’ data – this may be something that can be included within the main policy or may require a separate specialist insurance product
Professional indemnity cover options
Business interruption insurance cover options to protect your income when an insured incident prevents you from trading
Goods in transit cover options