Office insurance - liability cover

28 Oct 2009

In fact, it can be remarkably easy to encounter problems and claims for compensation in even the most modest office.

These problems usually break down into two categories - the public and your employees.

The Public

Sadly, people can be accident-prone. The person that slips on your over-polished stairs; injures their back due to a collapsing chair; or who cuts themselves badly on a jagged piece of metal projecting from a broken desk, may well look to you for compensation. It's worth remembering that this is not just your customers - people delivering goods and supplies to you or just calling in to ask for directions, could all be 'risks' to you in this important area.

The insurance that offers to protect you from the financial costs of such claims is called public liability insurance and is at the core of all our business insurance packages as a standard feature.

Employees

For any employer, the risks arising from staff claims can be significant. Office insurance for injuries to staff incurred in the legitimate pursuit of their duties is usually mandatory by law in most situations and should not be overlooked.

The situations where problems could arise are many and varied. The employee that injures their shoulder carrying a PC from one desk to another, one that is attacked by a member of the public while conducting your business or another that is injured by a falling box of files, may all well turn to you for recompense.  The awards made by tribunals and courts to employees injured in their work can be very high indeed and few such bodies will have any sympathy with the employer that claims "it was just one of those things".

The cover that offers you protection against this type of claim is usually called employers' liability insurance.

How we can help

We are part of Europe's largest independent intermediary provider of such insurance. We specialise in small to medium sized businesses, offering off-the-shelf packages that will enable you cover the various risks and exposures that are part of the 'territory' of modern business activities.

So if you are concerned about making sure you have the most suitable office insurance, don't hesitate to get in touch with us. Our policies offer many benefits, including the ability to pay by monthly instalments, thereby helping cash flow; and, a 24hr Claims helpline. And it's not just liability insurance we at Your Insurance Group can offer, but buildings cover; contents insurance; and even business interruption too. This means that you can sleep well at night, knowing that your livelihood is adequately protected.

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