Office Insurance

Insurance designed specifically for office-based businesses

Office insurance provides various types of cover for businesses operating within an office environment.

It is designed for professional practices such as accountants, medical practitioners, solicitors, architects, engineers, information technology consultants, travel agencies, employment agencies and businesses where the exposure is essentially an office risk. (The office insurance product is not designed for manufacturing enterprises or retail premises.)

At officeinsurance.com.au, we evaluate and compare the various office insurance contracts available within the Australian market. This enables us to only recommend policies that:
• Are competitively priced
• Offer terms and conditions that we believe are well suited to the insurance needs of our clients
• Are offered by insurance companies with a strong track record in delivering excellent underwriting, after sales and claims support.

We understand the fine detail - which means you get the cover that best suits your business

The specific wording of each type of policy differs from insurer to insurer. We are skilled at knowing what the differences are, explaining them to you, and making our recommendation based upon which policy best matches the unique requirements of your business.

The types of cover that office insurance can cover your business for include*:
1. Property (for loss of or damage to the physical assets such as carpets, equipment and fixtures that are routinely contained within the premises)
2. Public liability (to pay compensation for bodily injury or damage to property arising from negligence)
3. Business interruption (for the loss of income and additional expenses incurred as a result of an interruption to the business’ operations)
4. Money (for theft of money held on premises, in transit to or from the premises or held in a safe or strongroom)
5. Computer and electronic equipment (for loss of or damage to computer equipment, general office equipment or diagnostic equipment on your premises)
6. Glass breakage (for loss of or damage to glass at your premises)
7. Specified property (for loss of or damage to specified property that is located off site for the majority of the time, e.g. surveyor’s equipment, projectors used for external presentations etc)
8. Machinery breakdown (for loss of or damage to machinery requiring repair or replacement in order to continue normal operations, such as air conditioning units)
9. Employee dishonesty (for money or property losses arising from employee dishonesty)
10. Taxation investigation / audit (to cover professional fees such as accountancy fees incurred in relation to an audit by the Australian Taxation Office or a Commonwealth, State or Territory Department, Body or Agency)
*The above covers are subject to the issued policy terms, conditions and limitations as expressed in the insurance contract.

It is important to recognise that most businesses also need to consider additional insurance products such as professional indemnity, workers’ compensation, travel, directors’ and officers’ liability and other forms of insurance. We can also advise you in these areas to make certain you have the correct type and amount of insurance cover relevant to your circumstances.