We provide insurance for a whole range of offices, from accountants through to estate agents, and we work hard to ensure our customers have the right cover in place to protect their business.
As the first direct business insurance provider in the UK, and as a part of the global Allianz group, our business insurance specialists have a wealth of experience and knowledge to ensure our customers are protected with the right insurance cover.
Here is a selection of the covers included as standard within our office insurance policy:
|Employers and Public Liability Cover|
|As a business owner you will be very aware of the legal liabilities relating to your staff and customers. What if an employee were to slip and fall within the office? Employers Liability provides the insurance protection you need should your business have to pay compensation to a member of staff for an accidental work related injury.
(Standard Public Liability cover £2m, Employers Liability £10m)
|Business interruption cover – £250,000 over 12 months as standard|
|If your office was impacted by a flood, fire or theft, could you trade? Our business interruption cover could protect your income until you were able to get your business back on its feet|
|Loss of accounts receivable – up to £25,000|
|Many businesses offer credit to their customers. What would happen if you lost your customer records, perhaps in a fire or as a result of theft, and so were unable to request payment? This cover provides insurance against any outstanding payments you were unable to collect.|
We also understand that offices can have very different requirements when it comes to their insurance. That’s why we have optional covers so you can avoid paying for cover that you don’t need by tailoring your policy to suit your specific insurance needs.
Our optional extras include, amongst others:
|Commercial legal protection|
|We understand that legal costs, expenses arising from employment disputes, or property disputes can quickly escalate and could jeopardise your business if you were not properly covered. Our policy provides up to £100,000 cover against any one claim and up to £1,000,000 for compensation awarded following an employment dispute.|
|Computer breakdown – to cover both your equipment and potential damage to computer records|
|We understand that for many businesses computers have become a lifeblood of trading and in the event of a systems or equipment failure, business could be impacted both long and short term. That is why we provide cover to ensure you can replace any equipment and additional expenses to retrieve lost data.|
|Cover for specified items – UK cover including 30 days automatic worldwide cover|
|You tell us what you need to insure and we will provide cover to ensure this is protected both within, and away from, your business premises. Whether this is an essential business tool, a laptop computer or exhibition equipment, we’ll make sure you are protected so you can focus on the job in hand.|
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Find out more about Premierline Direct.
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