Whatever your office based business, we have you covered
Whether you work from home or the business premises, we offer office insurance to suit a variety of office based businesses from graphic designers to accountants to estate agents and financial advisors.
Office insurance key features
• Accidental Damage
• Business Interruption (loss of income, rental income)
• Commercial Legal expenses
• Office contents
• Electrical Equipment
• Loss of money
• Personal Accident Assault
• Employers Liability – limit of indemnity up to £10 million
• Public & Products Liability – limit of indemnity up to £5 million
• Tenants Improvements
• Computer Breakdown
• All Risks
• Book Debts
Get your quote and buy online today
We understand how busy it can be running a business, so we’ve made it easy for you to obtain your quote and buy instant cover online.
Before purchasing cover, please ensure you have a read of your standard cover, optional extras, exclusions and limitations that may apply and refer to policy summaries and wordings listed by your chosen insurer.
It must be noted that the adequate sums insured selected is the responsibility of the policyholder and must be reviewed on a regular basis. If the sum insured is not adequate, then in the event of a claim, payments may be reduced or not paid.
Frequently Asked Questions
You can find the answers to our most frequently asked questions below.
What does sum insured mean?
The sum insured is the maximum amount payable in the event of a claim.
What is business interruption?
Business Interruption is automatically included as standard and provides you with cover for loss of revenue following a fire or other insured event. If you are not engaged in revenue earning activities cover is provided for additional costs such as renting temporary premises.
I don’t have an email address
You will need to have a valid email address in order for you to obtain your quote from My Business Cover.
When purchasing your cover we would then issue you with your policy documentation and our information sheets as downloadable PDF’s sent directly to your email address.
When should I apply for insurance for new business?
We are able to quote for new business insurance policies up to 30 days before the renewal date. If you’re not ready to renew yet, please email us with your renewal or cover start date and submit the details to [email protected] You can also submit your query here. We will contact you closer to your renewal date.
What is the policy duration?
The policy has a 12 month period of insurance (unless shown differently on your policy schedule) and is renewable every year.
Am I covered instantly?
Yes, you can get a quote and buy online straight away. Once we have confirmed that you are covered and your policy is live, you are insured from that point onwards. We then issue you with your policy documentation and our information sheets as downloadable PDF’s. Unless requested, we don’t send out any paper documents, but you are able to print everything as backup to refer back to in the future.
Can I spread the cost of my policy?
Yes, there is an option of making your annual premiums/fees affordable by spreading the payment over monthly instalments. To find out more about this option please contact us
How do I cancel my policy?
If you decide to cancel your policy, just let us know.
You’ll receive a full refund if you cancel your cover within 14 days of setting it up (the ‘cooling-off’ period).
After this period, you may cancel your policy by giving us 30 days written notice of your intention to do so. The insurer may cancel your policy by giving us written notice; the duration of which will be detailed in the policy wording.
Beyond the 14 day cooling off period, cancellation terms may differ between insurers. Some insurers may be willing to return a pro-rata premium of up to 3 or 6 months after inception of the policy. However, after this period no refunds will be given. Any refunds may take up to 60 days to process.