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Office Package Insurance Policy

An Office Package Insurance Policy brings together a number of different types of cover or a range of risks/perils under one policy. The policy is really a “shell” into which different covers are placed as per the needs of a customer.

Who needs Office Package Insurance?

If you own or manage a business operating out of an office, you will need an office package insurance policy to ensure that you have the right coverage that your business needs in unfortunate time of a loss.

What does Office Package Insurance Cover?

A typical policy provides the following covers:

  • Property All Risk Cover for Physical Assets*
  • Covers all kinds of accidental and physical damages other than those specifically excluded
  • Business Interruption (including cover for Increased Cost of Working, loss of rent and alternative accommodation)
  • Legal Liability to Third Parties *
  • Employers’ Liability *
  • Workmen Compensation *
  • Machinery Breakdown
  • Electronic Equipment and Appliances
  • Money Insurance
  • Fixed Plate Glass, Neon Sign/Glow Sign/Hoarding
  • Personal Accident cover for Employees
  • Infidelity/Dishonesty of Employees

* These covers are mandatorily required by certain free zones authorities, local regulators and financial institutions

The benefits of having these various types of insurance covers under one policy are as follows:

  • The policy is easy to administer with a single renewal date
  • Affordable Premium
  • Can be tailored/customised to the specific needs of a customer