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<\/figure>\n<\/div>\n\n\nWhat\u2019s more important: the work you do or the stuff you use to do it? Can one exist without the other?<\/p>\n\n\n\n
Probably not.<\/p>\n\n\n\n
Investing in some office insurance to protect your office and the bits and pieces in it might not be the most exhilarating thing you\u2019ll do this year. But it could well be the most sensible.<\/p>\n\n\n\n
Nothing wrong with that, though. We like sensible. Sensible is good.<\/p>\n\n\n\n
<\/p>\n\n\n\n
What is office insurance?<\/strong><\/h2>\n\n\n\nAs you might expect, office insurance<\/a> covers property (owned by your business and anything you\u2019re responsible for) at your place of work and when it\u2019s out and about.<\/p>\n\n\n\nIt covers accidental damage, theft, and total loss from things like fire and flood.<\/p>\n\n\n\n
Fairly obviously, what\u2019s covered depends on what you have and there are specific sections for general contents (non-technical things such as furniture, plants, books etc), fixed IT equipment (PCs, servers, phones etc) and portable electronic equipment (laptops, digital cameras, tablets etc).<\/p>\n\n\n\n
<\/p>\n\n\n\n
What\u2019s in it for you?<\/strong><\/h2>\n\n\n\nYou wouldn\u2019t think twice about insuring your home and contents. And so it should be with what you use for work.<\/p>\n\n\n\n
Arguably, it\u2019s even more important. You need it to run your business, and your business is your livelihood. We\u2019ve dealt with enough property claims to know how troublesome they can be, particularly for freelancers and sole traders. That lost laptop (and everything on it) can really scupper your chances of hitting deadlines and completing contracts.<\/p>\n\n\n\n
Yes, we know it\u2019s another cost to bear. But, if it represents a lower cost (in both time and money) than replacing property yourself then it\u2019s got to be worth it.<\/p>\n\n\n\n
<\/p>\n\n\n\n
Do you need office insurance?<\/strong><\/h2>\n\n\n\nIf you have lots of disposable income, or you can still function having lost some or all of your tools of the trade then, no, you probably don\u2019t.<\/p>\n\n\n\n
But, for an idea of how you\u2019d cope, have a look around your office and tot up the cost \u2013 in time and money \u2013 of replacing everything. And we mean everything, right down to the last pencil. Makes you think, doesn\u2019t it?<\/p>\n\n\n\n
But before you rush out and buy a policy, there are a couple of things to think about first.<\/p>\n\n\n\n
Be mindful of your office insurance policy excess (the amount you have to pay if you make a claim). If it\u2019s set quite high, say \u00a3500, it won\u2019t be worth making a claim for single items worth less than that.<\/p>\n\n\n\n
And depending on the total value of what\u2019s insured, it\u2019s possible your insurer wants your premises to look like Fort Knox. Fitting compliant security measures can cost quite a bit \u2013 check the wording and make sure you\u2019re not spending more than it\u2019s worth.<\/p>\n\n\n\n
For more information call us on 0345 222 5391<\/strong>, click here<\/a> for a quote or email contactus@policybee.co.uk<\/a><\/p>\n\n\n\nPhoto by Arlington Research on Unsplash<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"What\u2019s more important: the work you do or the stuff you use to do it? Can one exist without the other? Probably not. Investing in some office insurance to protect your office and the bits and pieces in it might … Continue reading
It covers accidental damage, theft, and total loss from things like fire and flood.<\/p>\n\n\n\n
Fairly obviously, what\u2019s covered depends on what you have and there are specific sections for general contents (non-technical things such as furniture, plants, books etc), fixed IT equipment (PCs, servers, phones etc) and portable electronic equipment (laptops, digital cameras, tablets etc).<\/p>\n\n\n\n
<\/p>\n\n\n\n
What\u2019s in it for you?<\/strong><\/h2>\n\n\n\nYou wouldn\u2019t think twice about insuring your home and contents. And so it should be with what you use for work.<\/p>\n\n\n\n
Arguably, it\u2019s even more important. You need it to run your business, and your business is your livelihood. We\u2019ve dealt with enough property claims to know how troublesome they can be, particularly for freelancers and sole traders. That lost laptop (and everything on it) can really scupper your chances of hitting deadlines and completing contracts.<\/p>\n\n\n\n
Yes, we know it\u2019s another cost to bear. But, if it represents a lower cost (in both time and money) than replacing property yourself then it\u2019s got to be worth it.<\/p>\n\n\n\n
<\/p>\n\n\n\n
Do you need office insurance?<\/strong><\/h2>\n\n\n\nIf you have lots of disposable income, or you can still function having lost some or all of your tools of the trade then, no, you probably don\u2019t.<\/p>\n\n\n\n
But, for an idea of how you\u2019d cope, have a look around your office and tot up the cost \u2013 in time and money \u2013 of replacing everything. And we mean everything, right down to the last pencil. Makes you think, doesn\u2019t it?<\/p>\n\n\n\n
But before you rush out and buy a policy, there are a couple of things to think about first.<\/p>\n\n\n\n
Be mindful of your office insurance policy excess (the amount you have to pay if you make a claim). If it\u2019s set quite high, say \u00a3500, it won\u2019t be worth making a claim for single items worth less than that.<\/p>\n\n\n\n
And depending on the total value of what\u2019s insured, it\u2019s possible your insurer wants your premises to look like Fort Knox. Fitting compliant security measures can cost quite a bit \u2013 check the wording and make sure you\u2019re not spending more than it\u2019s worth.<\/p>\n\n\n\n
For more information call us on 0345 222 5391<\/strong>, click here<\/a> for a quote or email contactus@policybee.co.uk<\/a><\/p>\n\n\n\nPhoto by Arlington Research on Unsplash<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"What\u2019s more important: the work you do or the stuff you use to do it? Can one exist without the other? Probably not. Investing in some office insurance to protect your office and the bits and pieces in it might … Continue reading
If you have lots of disposable income, or you can still function having lost some or all of your tools of the trade then, no, you probably don\u2019t.<\/p>\n\n\n\n
But, for an idea of how you\u2019d cope, have a look around your office and tot up the cost \u2013 in time and money \u2013 of replacing everything. And we mean everything, right down to the last pencil. Makes you think, doesn\u2019t it?<\/p>\n\n\n\n
But before you rush out and buy a policy, there are a couple of things to think about first.<\/p>\n\n\n\n
Be mindful of your office insurance policy excess (the amount you have to pay if you make a claim). If it\u2019s set quite high, say \u00a3500, it won\u2019t be worth making a claim for single items worth less than that.<\/p>\n\n\n\n
And depending on the total value of what\u2019s insured, it\u2019s possible your insurer wants your premises to look like Fort Knox. Fitting compliant security measures can cost quite a bit \u2013 check the wording and make sure you\u2019re not spending more than it\u2019s worth.<\/p>\n\n\n\n
For more information call us on 0345 222 5391<\/strong>, click here<\/a> for a quote or email contactus@policybee.co.uk<\/a><\/p>\n\n\n\n Photo by Arlington Research on Unsplash<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" What\u2019s more important: the work you do or the stuff you use to do it? Can one exist without the other? Probably not. Investing in some office insurance to protect your office and the bits and pieces in it might … Continue reading