BUSINESS
EQUIPMENT COVER

Business Equipment Cover

Office Contents

Whether you're based in an office or do all your work from home, this section of the Combined Liability policy will cover any office equipment you use, including computers, electronic office equipment, furniture, stationery and Documents kept within your Premises.

Many contractors are not aware that items that are owned by the business are not ordinarily covered under a household insurance policy, so you need to have separate cover in order to be protected.

The contents cover we provide covers all risks, which includes, but is not limited to, theft, fire, water damage from burst pipes and accidental and malicious damage.

Level of cover

You can choose to cover up to £10,000 worth of office equipment within the risk address (the address we have on file for you), but we include £5,000 of cover as standard within the Combined Liability policy. The cover provided is subject to an excess of £100 for each and every claim. This means that you will have to pay the first £100 of any claim for loss or damage. The exception is claims for mobile phones, where the policy excess increases to £400 for each and every claim.

In order not to be underinsured, the value you should use when deciding how much cover to purchase is the new replacement cost of the items.

If you require higher levels of cover than the drop-down fields allow, please contact us on 0330 118 0007.

Portable Equipment

This section of the policy provides cover for your portable electronic equipment when working away from your own premises, or when you're based at a client's site. The cover provided is all risks, as noted above, and includes accidental physical loss (including theft) or damage.

Examples of equipment covered:

• Laptops
• Tablets
• Mobile phones
• Digital cameras
• Hardware and tools
• Imaging devices
• Projectors
• Printers
• Video cameras and equipment

Level of cover

You can choose to insure your electronic portable equipment from £1,000 up to a limit of £5,000, but we include £1,000 of cover within the UK as standard within the Combined Liability policy. The cover provided is subject to an excess of £100 for each and every claim. This means that you will have to pay the first £100 of any claim for loss or damage. The exception is claims for mobile phones, where the policy excess increases to £400 for each and every claim.

In order not to be underinsured, the value you should use when deciding how much cover to purchase is the new replacement cost of the items.

The cover provided is available within the UK, Europe or Worldwide, by selecting the relevant option in the drop-down menu.

If you require higher levels of cover than the drop-down fields allow, please contact us on 0330 118 0007.