If you are unable to use your office whilst repairs are being undertaken to your property due to a claim, business interruption protection will cover you for the gross profit you would have earned during this period.
If you’re an office that gives advice professional indemnity cover is advised. Professional Indemnity Insurance provides legal costs to help you to defend claims made against you for wrongful advice or errors and omissions in connection with your professional services.
Anything within your office which is removable i.e. furniture and computer equipment, can be covered as office contents on a new for old replacement basis. If you take equipment out of the office this can also be covered. In some cases, computers can be covered for mechanical breakdown.
If you employ anyone at all, employers liability is a legal requirement, this can be included into your office insurance policy. Public Liability can also be added to cover cases made against you by third parties who have been injured or had their property damaged due to negligence on behalf of your office activities.
Surgery Insurance covers a range of specialist medical premises insurance requirements for doctors, dentists and specialists such as chiropractors and physiotherapists. This insurance provides cover for medical negligence, surgery equipment, business interruptions and well as the more usual cover.