Specialised Cover

Office Package Policy

A bundled insurance programme consolidating fire, burglary, electronic equipment, cash, public liability and personal accident cover for office premises into a single policy. One insurer, one renewal date, one claims contact, with package pricing that is materially cheaper than placing each section separately.

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Coverage at a Glance

Building & Contents

Fire, natural perils and burglary for premises and fit-out

Electronic Equipment

IT hardware, servers and office technology

Public Liability

Third-party injury or damage at your office

Cash in Safe & Transit

Cash holdings and transit against theft

8+ Cover Sections

Single Policy & Renewal

15-25% Saving vs Separate Placements

IRDAI Compliant

Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

Fire & Special Perils

Covers the office building (if owned) and all contents, furniture, fixtures, equipment and documents, against fire, explosion, lightning, storm, flood, impact and allied perils.

Burglary & Office Break-in

Covers loss of office contents, cash in safe and specified valuables following forced and violent entry to the premises during or outside business hours.

Electronic Equipment

Covers computers, servers, printers, networking hardware and AV equipment against accidental damage, electrical damage and breakdown, with reinstatement of data as an optional extension.

Cash in Premises & Transit

Covers cash held in the office safe and petty cash against theft, and cash in transit to and from the bank up to a specified limit per journey.

Public Liability

Covers legal liability for bodily injury or property damage to clients, visitors and delivery personnel at your office premises, with legal defence costs in addition to the indemnity limit.

Personal Accident for Staff

An optional section providing accidental death and disability cover for named employees or all staff, a cost-effective complement to a group personal accident policy.

Office Risk Specialists

Our Approach

One Policy Does What Six Separate Policies Cannot

Managing multiple separate insurance policies for your office creates administrative complexity, gaps between covers and premium duplication. A package policy eliminates all three, and consistently delivers a 15-25% saving over individually placed sections.

We conduct a physical office audit to value your contents, electronic equipment and cash holdings before placement, the most frequently under-insured elements in office policies.

For rented offices, we align your contents policy with the landlord's building insurance, ensuring there are no gaps in perils covered and no double-counting of premium.

For offices with significant electronic equipment or data assets, we co-ordinate the office package with a cyber insurance placement to close the gap between physical and digital risk.

Who Needs This

Businesses That Carry This Risk

If your operations create the exposures described below, this cover belongs in your insurance programme.

Professional Services Firms

Law firms, consulting practices, accounting offices and architectural studios with valuable fit-out, client files and public-facing premises.

SME Offices

Small and medium businesses establishing their first comprehensive insurance programme benefit from the simplicity and cost efficiency of a single package policy.

Co-Working Operators

Co-working space operators need to insure their fit-out, technology infrastructure and public liability across multiple workstations and meeting rooms.

Financial Services Offices

Brokerages, financial advisors and NBFCs holding client funds, sensitive data and operating under regulatory licensing requirements.

IT & Technology Offices

Technology companies with significant server infrastructure, workstations and networking equipment, where electronic equipment cover is the single largest risk.

Medical & Dental Clinics

Healthcare providers with specialised equipment, cash collections and patient footfall require the combined protection of a professional office package.

How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and competitively priced.

Office Risk Survey

We assess your premises, contents valuation, electronic equipment schedule, cash handling procedures and public footfall to determine the right sum insured for each section.

Package Placement

We approach insurers offering office package products and select the insurer with the broadest cover for your business type, the cleanest policy wording and the strongest claims record.

Annual Review & Renewal

At renewal, we update sums insured for new equipment, headcount changes and premises improvements, and re-tender where the incumbent insurer's terms have drifted from market.

Key Benefits

Why Clients Place This Cover Through Us

Consolidated Administration

One policy document, one renewal date and one claims handler for all office risks, eliminating the administrative burden of managing multiple separate policies.

Package Premium Saving

Bundled office package pricing delivers an average 15-25% saving over separately placed covers, with no coverage gaps and no duplicate premium.

Correct Contents Valuation

We value your office contents and electronic equipment properly before placement, preventing the under-insurance that affects the majority of office policies placed without professional advice.

Mid-Term Flexibility

New equipment purchases, additional headcount and premises improvements are processed as mid-term endorsements, the policy remains accurate without disruption to cover.

FAQ

Common Questions

If you rent, the building is the landlord's responsibility to insure. Your policy covers your contents, fit-out improvements, electronic equipment and liability. We review your lease to confirm what your landlord's policy covers and ensure your contents policy closes any gaps.

Standard office package policies cover electronic equipment at the declared premises. Equipment taken off-site, laptops, tablets, mobile devices, typically requires an all-risks portable equipment extension. We include this as standard in our office package specifications.

Standard office package policies exclude cyber events, including ransomware and data breach. For cyber cover including data breach response, business interruption and third-party data liability, a standalone Cyber Insurance policy is required alongside the office package.

A mid-term endorsement is required to update the policy with your new premises address, and the insurer may require a fresh survey before extending cover to the new location. We manage this process and ensure cover is continuous through the move.

Yes. A fidelity guarantee section covers loss of cash or assets resulting from dishonest acts by employees, relevant for offices with multiple staff handling cash or client assets. We include this in package specifications for offices with three or more employees in cash-handling roles.