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Office Equipment Insurance

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Compare Office Equipment Insurance 

The UK has an immense variety of trade and industry. Every business has tailored requirements when it comes to protecting equipment used in the office. Office equipment insurance can be crucial for a business. However, finding the right office equipment insurance need not be a complicated process. Whilst office insurance will cover your physical property, you may need to take out additional office equipment insurance to get the insurance you need.

At Quotezone.co.uk, we can help you compare a wide range of quotes for insurance for your office equipment. It’s quick and easy. You can compare a range of office equipment insurance quotes and choose the best option for your business. 

What does office equipment insurance cover? 

This cover insures the items you use during your business activities. Equipment insurance for an office can be as comprehensive or as itemised as you would like. The choice is yours. Here are a few things that you might expect to be covered: 

  • Furniture 
  • IT equipment 
  • Machinery 
  • Tools  

An office equipment insurance policy could give you coverage of both owned and leased items. It’s flexible in that sense. Losses or damage to these can be from weather events, theft, or accidents. It’s a great safeguard to have in place. For more information, our platform Quotezone.co.uk can help you determine both the extent and cost of insuring office equipment. Note this insurance doesn’t cover usual wear and tear. 

How much does office equipment insurance cost, on average? 

Office equipment insurance cost is determined by several factors. These vary from business to business. Because of this, it’s difficult to give an accurate average. Here are a few of the factors insurers use to provide an individual quote: 

  • Office location 
  • Nature of business 
  • Type of equipment used 
  • Value of equipment to be insured 
  • The size of the business and staff  
  • Level of coverage required 

Our team at Quotezone.co.uk provide a comparison platform that can help you determine what this cover will cost you. Compare a wide range of quotes from multiple insurers to determine what your personalised costs will be. Our site helps you shop around, and shopping around is known to increase the odds of finding cheap office equipment insurance quotes. 

Does the type of equipment I’m insuring affect the cost of this insurance policy? 

Yes. To insure office equipment, you’ll usually have to disclose the type and value of the equipment you’re using. Replacement costs matter. For example, high-value equipment will cost more to replace than cheaper and less risky items. 

To get a better understanding of equipment categories and what equipment will likely carry a higher premium, our platform Quotezone.co.uk can help. Our tools can help you save time and money when comparing office equipment insurance quotes. 

Are there different coverage levels to choose between when I’m insuring office equipment? 

Yes, certainly. As with most other insurance policies, you can choose your level of coverage.  

Office equipment insurance is no different. Depending on your business needs, you could typically choose between the following levels of cover: 

  • Comprehensive cover  
  • Itemised cover 
  • Theft cover 
  • Damage cover 

Specific damage coverage levels can include accidental or elemental situations such as floods or lightning strikes. Some insurers can also include malicious damage in the policy. 

Does office equipment insurance cover theft and malicious damage? 

Theft and accidental damage are typically covered by insurance for your office equipment. Some insurers may include malicious damage or offer it as an add-on. You’ll have to check your policy specifics. In conjunction with your location, insurers will factor in the crime statistics when calculating your office equipment insurance quote. 

Does insurance for office equipment cover accidental damage? 

Typically, yes. Accidental damage cover is usually included when you insure your office equipment, especially if you have comprehensive cover. However, basic cover might not cover this.  

To compare and understand your options for coverage, Quotezone.co.uk can help you. We help you compare policies to find the balance of coverage that you need when insuring your office equipment. 

When I insure office equipment how much will each piece of equipment be covered for? 

When it comes to insurance of office equipment, payouts are dependent on the type of coverage you opt for. When looking for cheap office equipment insurance, which is the goal of most businesses, you should read the terms and conditions carefully. Items are typically insured at replacement or market value. If you can afford it, comprehensive cover is the best way to secure your business equipment as it covers a wider range of situations. 

Are there any exclusions I should be aware of when I’m comparing office equipment insurance? 

Insurance companies all have some exclusions when it comes to insuring office equipment. Here are some you might encounter: 

  • Wear and tear on the equipment 
  • Manufacturing defects 
  • Intentional damage 
  • Natural disasters 
  • Cyber attack insurance
  • Terrorism 
  • Neglect or misuse 

What is the claims process for this type of policy? 

In the United Kingdom, the claims process for office equipment insurance would typically follow the following steps: 

  • Report your incident to authorities if applicable. 
  • Gather the required information. 
  • Contact your insurer. 
  • File the claim. 
  • Your insurer will typically assign a loss adjustor. 
  • The decision will be made on either repair or replacement. 
  • The claim will be paid out or suppliers paid directly. 

As mentioned, this is the typical way claims are processed. However, insurers might have varied protocols. It’s good to familiarise yourself with your insurance providers’ claims process from the start. 

Can I transfer my office equipment insurance policy to a new address if I move offices? 

Yes, typically. When relocating your office, your office equipment insurance policy can usually be transferred, depending on your insurer. However, your policy may need reviewing. The following factors might change your risk profile: 

  • Location, with an emphasis on crime stats and environmental conditions influencing the risk factors. 
  • The new property and the current state of the building. 
  • The security measures on the new property. 

What happens if office equipment is damaged during transportation or delivery, will that be covered? 

If not provided as standard, the inclusion of goods in transit (GIT) insurance in your office equipment insurance policy is a sensible addition. Not all insurers will offer GIT insurance as a standard inclusion though. You’ll need to check your policy before assuming you are covered.  

Can I still get office equipment insurance if I share office space with other businesses? 

Co-working spaces are a growing trend in the UK and with that comes the need for specialised office equipment insurance. Every shared office space is different, so your risks might be unique. You can typically tailor your insurance accordingly. However given the higher risks associated with shared spaces, you may need a specialised contents insurance policy.

Whether you are looking for home office equipment insurance or small office equipment insurance, our platform Quotezone.co.uk can help you compare options from a wide range of insurers to help you find the right office equipment insurance policy.