Clinics · consultancies · professional offices
Office Package Policy Quote
Five or six separate policies, or one document with one renewal date. For a clinic, a consultancy or any professional office the package is almost always cheaper than the parts and considerably easier to keep track of.
Or request a callback. Free, no obligation, and we are reachable 24/7. Most quotes come back the same working day.
Before you ask
- The package bundles fire, burglary, electronic equipment, money in transit, public liability and employee cover into a single policy.
- Most commercial leases in India carry an insurance clause with a minimum limit, and it is worth reading before the landlord quotes it back at you.
- Electronic equipment cover is a separate section from fire, and it answers the breakdown and damage that a fire policy does not.
- For professional firms this sits alongside professional indemnity rather than replacing it: one covers the premises, the other covers the advice.
What drives the premium
- Office area and the construction of the building
- Value of fittings, furniture and electronic equipment
- Headcount, for the employee sections
- Whether cash is handled and how much
- The public liability limit, often set by your lease
- Location and building security
Indian general insurance was de-tariffed in 2007, so there is no tariff to quote from and any site publishing a rate is guessing. What we can do is read your risk against the market and come back with real terms.
What we need from you
- Office area and headcount
- Value of equipment, furniture and fittings
- Any insurance clause in your lease, and the limit it names
- Whether you hold cash on the premises
- Your existing schedule if renewing
Send whatever you have on WhatsApp, even a photograph of the existing policy schedule. We will tell you what is missing rather than send you a form.
Frequently asked questions
What does an office package policy cover?
Fire and allied perils on the office and its contents, burglary, electronic equipment, money in transit and on premises, public liability for visitors, and employee cover. Sections are optional, so a small consultancy and a diagnostic clinic can take quite different packages under the same product.
Does my lease require office insurance?
Most commercial leases in India carry an insurance clause, frequently with a minimum limit and sometimes naming the landlord as an interested party. Send us the clause and we will tell you exactly what satisfies it, at no charge.
Is electronic equipment covered under fire insurance?
Only for fire and the allied perils named in the policy. Breakdown, electrical damage and accidental damage to computers and equipment sit under the electronic equipment section, which is why the package includes it separately.
Do professional firms need this as well as professional indemnity?
Yes, and they answer different things. The office package covers your premises, equipment and visitors. Professional indemnity covers financial loss caused by your professional work. Neither substitutes for the other.
Related: Office package explained · Professional indemnity quote