What are some over optional extras?
Legal cover – This helps with fees if you are faced with taking legal action against a third party. This is not usually found as standard on most commercial insurance policies as it’s not a legal requirement.
Money cover – Admittedly rarer these days with the growth of online payments and banking, but you may need cover for cash you take on your premises.
All risks – Includes laptops, tablets and phones if these are owned by the business. You can cover them for travel UK only, EU wide or worldwide, depending on how far you take them.
Goods-in-transit – Sometimes you may take some samples out to client visits. Like 'all risks' above these can be covered whilst out on the road.
What are some typical exclusions?
Accidental damage – This cover allows you to claim for damages not caused by any other policy features such as fire, theft, flood etc. This cover doesn’t always come as standard so if this is something you would like to include, let your handler know.
Manual work away exclusion – An office policy is intended to cover you for the administration work carried out within the address noted on the policy. If you undertake any manual work, this would need to be insured on a separate policy, relevant to the work you carry out. If you attend Events and Exhibitions, your office policy may be able to extend to cover you whilst you’re there but you would need to mention this to your handler to see if this is possible to include.
Normal wear and tear caused over time.
Mechanical or electrical breakdowns of equipment.