No matter what business you are in, protecting your office is an absolute must. Office Insurance is a low cost package that not only compensates you for damage or loss, but also protects against loss of income.

Our Office Insurance covers four vital insurance protection:

• Office Contents
  If the office contents are accidentally lost or damaged, this policy pays you for the loss on a "reinstatement as new" basis. Cover is on "All Risks" basis.
  Office Contents include landlord's fixtures and fittings for which you are responsible, tenants' improvements, employees' personal effects, sanitary ware, fixed glass and mirrors.
  
• Business Interruption
  Damage to the office means interruption in business. We will pay you up to $50,000 in respect of additional expenditure necessarily and reasonably incurred to ensure your business continuity.
  
• Loss of Money
  Cover up to $10,000 for loss of money.
  • In transit – $10,000
  • In the residence of your directors, partners or employees – $500
  • In your office during business hours – $10,000
  • In your office safe or strongroom – $10,000
  • In your office outside business hours but not in safe – $2,500
  You are also covered up to $20,000 for money in your bank’s night safes and there-after within the bank premises till at the bank's risks. We will also pay up to $10,000 in the event of your employee’s demise or physical disablement in a robbery.
  
• Workmen’s Compensation
  Covers workmen’s compensation and employer’s liability for up to 5 administrative/ clerical employees but not exceeding earnings of $5,000 per person per month.
  
• Public liability
  Protection of up to $1,000,000 against legal liabilities your office may incur for injuries to any member of the public or damage to their property.

Optional Covers

You can enhance your Office Insurance with these add-ons:

Loss of Income
An extension of the Business Interruption cover, we will compensate you for the loss of income as a result of accidents up to 12 months. The sum insured should not be less than your anticipated income during the coming 12 months.

• Death, permanent disablement or loss of a limb – $10,000
• Temporary total disablement ­ $100 per week (up to 104 weeks)
• Temporary partial disablement – $50 per week (up to 104 weeks)
• Medical expenses – $500

To know more, please Contact Us or your Insurance Representative.