Help ? Office insurance policies are designed for clerical activities at the premises only. They will normally extend to include sales meetings/ promotions away from the premises, although exclude any manual activies. e.g. Architects requiring site visit cover will need to specifiy this requirement.

Help ? The building sum insured must reflect the full cost of re-building the property should it be completely destroyed in an insured event. The sum insured should include allowances for removal of debris, architects fees together with any outbuildings, walls and fences etc. The current market value should not be used.

Help ? The contents sum insured must reflect the full cost of reinstating the contents, fixtures & fittings should they be completely destroyed in an insured event. The sum insured should include allowances for removal of debris

Help ? Tenants improvements are parts of the structure of the building for which a tenant has installed or is responsible for under the terms of their lease. This could be such items as false ceilings, new lighting, building extensions, fitted kitchens etc.

Help ? Business interruption cover provides for the lost revenue following an insured event. For example, following a major fire, the business will have to cease trading until alternate premises can be obtained or the property is refurbished. You can cover the full gross profit of the business, or alternatively (and more economicaly) just the increased working expenses should you be able to relocate relatively easily.

Help ? Public liability is typically a standard section of most office policies. The standard £1,000,000 indemnity can normally be increased to £2M or £5M if required. The higher limits are necessary when the potential injuries or damages caused by the property could be significant. e.g. A large number of people could be trapped in the building during a fire.

Help ? All risks cover is the widest commonly available, although will still have typical exclusions such as terrorism, asbestos etc. We generally quote all risks as standard, although a minor saving is available for standard perils (which does not cover accidental damage), or subsidence. Basic fire perils are typically only given to unoccupied properties or for those in unusual circumstances.

Help ? Terrorism is a standard exclusion of all commercial insurance policies. When cover for terrorism is required, this can be taken though your insurance company, although it is actually reinisured by the Government fund, Pool Re. IMPORTANT: If you opt for terrorism cover with Pool Re, you must ensure that all your properties have this extension otherwise they will consider the cover void. Alternate cover for terrorism insurance is available through Lloyds of London, which does not have this same stipulation.

Help ? Insurers must be informed of all instances of flat roofs, even if they are only small areas. Flat roofs are notorious for failing due to storm damage and insurers will often charge an additional premium for buildings that have a significant proportion. Insurers typically also impose an inspection warranty, where the flat roof must be inspected by a competent contractor every one to three years.