Office insurance

Whether you're operating from multi-story, purpose-built offices, or even working remotely, your workspace is the hub of your business and essential to your operations. It's crucial to have insurance in place to ensure your business continues to trade in the event of the unexpected.

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Who needs Office insurance?

If your business operates from one or more office locations and depends on essential equipment and IT hardware, an Office insurance policy can protect you against unforeseen events.

Disruption can be caused by a relatively minor issue, such as accidental damage to a laptop, through to major incidents including fire, flood, theft or structural damage.

Loss of assets, liabilities or business premises for an extended period could have a catastrophic impact on your business and financial position.

Injury or damage to employees/third parties or their property, due to alleged negligence, can have a significant financial impact on a business.

Having a tailored Office insurance policy in place can protect your premises, assets and employees, minimising business interruption and covering potential financial losses should the worst happen.

Why choose Griffiths & Armour?

We have extensive experience working with commercial and professional services businesses. This means our Property and Office insurance Team understands that your working environment and office space is as unique as the business you operate.

We also know that, in many cases, traditional Office insurance policies do not provide the flexibility or protection you need for some of your work-related activities, especially those that involve employees working away from your office premises.

This is why Griffiths & Armour, in partnership with industry-leading insurers, has designed a unique type of Office policy to support and protect your business against loss of assets and liabilities.

WorkspacePlus+

WorkspacePlus+ has been designed specifically to provide you with everything a traditional Office policy can offer, plus a range of enhanced features that can be selected to shape your cover around your business’ precise requirements.

Use of hired-in plant
Incidental manual work away from the office
Work at hazardous locations
Liabilities associated with the role of the managing contractor
24/7 access to our industry-leading risk management platform – RMworks
Flexible cover that evolves with your work requirements
Regular insights and updates from our construction sector experts
Advice and support when you need it most from our in-house claims management team
Full theft cover

FAQs

What is Office insurance?

Office insurance provides businesses with insurance cover for their assets (desks/chairs, computers, laptops, etc.), Loss of revenue following an insured incident, and cover for injury to an employee or third party, or their property caused by alleged negligence. It protects a company from the unexpected expense cause by an insured peril.

What if equipment is used away from the office?

Unlike some other office insurance policies, WorkspacePlus+ provides cover for equipment away from your premises automatically, be that for employees working from home, whilst your traveling, or on site.

All my staff work from home, do we still need Office insurance?

Yes, you should not assume that an employees home insurance would cover any equipment owned by the company. A company also has a duty of care to its employees, even when working from home. To protect your company and its assets, WorkspacePlus+ provides cover for equipment entrusted to employees, as well as liability protection for claims brought by employees for injury where ever they may be, allegedly due to the negligence of the company.

Are there other covers I should consider?

All companies are exposed to a multitude of risks in our ever-changing world, and we continuously discuss additional risks with insurers, evolving WorkspacePlus+ to meet the requirements of the modern business.

As well as protecting your ‘office’ risk, WorkspacePlus+ can provide the following optional covers;

Cyber: Protect your business following a cyber attack or data loss
Commercial Crime: Loss from employee theft, social engineering and phishing scams
Directors and Officers Liability: Indemnity and legal representation following alleged wrongful actions of individuals in positions to make decisions within the company
Personal Accident & Group Travel: Benefit cover following an accident or travel incident

What are common exclusions under an Office policy?

Manual Work Away: Office risk are defined as being based out of a specific office or location, and manual work limited to collection and delivery outside of the property
Theft: Has to take place by forced or violent means, in other words any theft has to be by forced entry or the threat of violence for the policy to respond

WorkspacePlus+ does not have these exclusions, therefore providing cover for theft without the need for forced or violent entry/exit. WorkspacePlus+ also provides for incidental manual work in line with your business activities.