Office Insurance protects your business premises and equipment. It is one of the most common but important policies to ensure that your business keeps running in the event of a claim.

Coverage for damage to the business premises including contents and building as required. Standard cover protects for damage from fire, water, wind, and storms). Most insurance covers arranged will include accidental damage.

Cover that protects against additional costs incurred to reduce the loss of income due to a claim. For example, a fire destroys your entire office space and additional costs are incurred to temporarily locate the business to another location. Traditional “bricks and mortar” businesses (e.g. retail outlets) have the ability to cover loss of income, however, for professional service businesses it is difficult to evidence a loss of income.

Covers for the loss or damage of portable equipment (e.g. a laptop) or valuables that are carried outside of the office.

Protects against damage and replacement of glass inside and outside of the business premises.

Provides coverage for the repair or possible replacement of electronic equipment due to a breakdown (e.g. printers, computers, servers).

Covers for the cost of an accountant in the event of a statutory tax audit to your business by the ATO.