What Cover Is Provided By An Office Insurance
Policy?
Office Insurance provides protection for a number of risks faced by
businesses undertaking sedentary activities. It is also often the most cost
effective way to provide for your legal requirement to carry Employer's
Liability Insurance.
MFL operates an Office Insurance scheme that provides good quality protection
for your Business Property, Business Earnings, Legal Liabilities and Commercial
Legal Expenses.
What Is Included?
The plain English wordings contain many outstanding features that you may not
find under a standard policy of this type. These include:
Broader definition of 'Contents' - things like glass,
money and computers are covered as standard.
Theft - you do not have to prove there has been
forcible entry to your premises. The cost of lock replacement following the
theft of keys is also covered. (Minimum standards of security apply, as with
all insurance policies, and these will be provided with your quotation).
All risks covered - against loss of income and
additional cost of working resulting from prevention of access, failure of
public utilities and failure of telephone exchange equipment.
Your clients' property - property for which you are
responsible is also covered.
Computer Breakdown and Reinstatement of Data
Employers' Liability - including temporary employees
and subcontractors.
Public and Product Liability
Commercial Legal Expenses
What Is Not Included?
Damage caused by wear and tear, inherent defect,
frost and any gradually operating cause.
Any computer virus.
Loss due to clerical or accounting errors.
Manual Work undertaken unless declared and agreed by
insurers.
Professional Advice (Professional Indemnity - click here for further
information)
Please note that above is only a brief policy summary. A full policy wording
is available on request.
