This could include anything from storm damage to pipe bursts and electrical problems – so it pays to have regular inspections carried out to anticipate any potential issues before they become a costly repair job!
For tenants of office property, contents insurance can provide financial protection against loss or damage to moveable items inside the building – such as furniture and IT equipment – regardless of who owns them. Make sure any agreement between yourself and your landlord outlines what’s covered in your policy as this may differ depending on the provider.
In addition to these two core areas of coverage for landlords and tenants alike, other optional extras that can usually be added to your policy include employer’s liability cover (which helps protect against injury or illness caused by negligence) and public liability cover (which covers against third party claims). It’s also worth checking if legal expenses cover is included in your policy – this provides financial assistance if you find yourself having to go through court proceedings due to a breach of contract or tenancy agreement.
No matter how big or small your business, taking out an adequate level of office insurance will ensure that you have peace of mind knowing that both you – and those who work with you – are adequately protected against potential risks associated with running an office-based business.
