Insurance overview
We provide Office Insurance that can be tailored to suit all sizes of office businesses, providing cover from the risks your business can face - from fire, theft and flood, to loss of income and liability for injury to clients, customers or employees.
It also provides cover of your office space, including fixtures and fittings, and the electronic equipment your employees use to do their jobs.
What's included as standard:
- Contents and Stock - cover against damage caused by common risks such as fire, flood, storm or escape of water. Includes the reinstatement of computer software following damage to equipment, up to £25,000.
- Business Interruption - loss of income due to damage to property used by you at the premises, up to £1.5 million.
- Money and Malicious Attack - loss or theft of money on your premises during business hours, and while being taken to the bank or in a safe on your premises overnight, up to £5,000.
- Goods in Transit - protection of your goods while they’re in transit in your vehicles or with a third party carrier, up to £10,000.
- Employers' Liability - damages arising from injury and illness to employees, including while working abroad for up to 60 consecutive days, up to £10 million as standard.
- Public and Product Liability - damages arising from injury to the public or damage to their property because of your business' activities and/or products, starting from £2.5 million.
- Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1 million.
Additional covers you can choose:
- Buildings - cover against damage caused by common risks such as fire, flood, storm or escape of water.
- Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
- Group Personal Accident - protecting your business and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
- Deterioration of Stock - deterioration caused by temperature changes due to failure or damage of the refrigeration systems and accidental failure or emergency removal of public electricity, gas or water supplies.
- Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
- Engineering Insurance - accidental damage or breakdown of machinery and plant, such as service lifts, coffee machine boilers or heating boilers.
- Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
- Terrorism - protection against property damage and loss of income caused by acts of terrorism in England, Scotland or Wales.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
Business Protection
We believe that taking care of the long-term financial security of your business is an essential and not a ‘nice to have’. It's why we’ve teamed up with AIG Life (now owned by Aviva) to bring you a wide range of protection covers to help you take care of the future of your business.