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All Risks Protection
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FAQs - Directors & Officers
What is Office Insurance?
Office insurance is a specially designed policy to protect your working premises against any physical loss/damage of your property, death/injury to employees, claims from external parties, etc, that hamper productivity and cause severe financial losses to your business.
A few scenarios where office protection helps to mitigate risk and plays a key role in contributing to a quick recovery of your commercial activity are:
- All risk (fire or explosion, theft, natural disasters, robbery or vandalism…
- Consequential loss (closure of business)
- Rental expenses
- Money Insurance
- Personal Accidents
- Public liability
- Food & Beverage extension
- Contents & electronics
Who needs Office insurance?
You should consider an office insurance policy if you own or manage business premises. It safeguards your physical and financial assets. Any small, medium, or large scale business owners with the following assets are eligible for an office insurance policy:
- Commercial offices
- Government offices
- ITES and BPO call centres
- Software development offices
- Warehouses and manufacturing units
What does Office insurance not cover?
An office insurance provides coverage across wide range of issues however, it is not limitless and doesn't protect financial loss or damage caused to the property or employees due to reasons like:
- Underground work
- Wars and nuclear explosions
- Mechanical or electrical breakdowns
- Illegal activity by the policyholder
- Normal wear and tear caused over time
- Explosions caused to pressure vessels or boiler
- Intentional damage caused by the policyholder
- Expenses on surveyors, engineers and architects
How to switch insurance if I'm already covered?
Switching policy provider at the time of renewal, that is when your current insurance is near expiration, is straightforward. However, it's important to maintain the continuity of coverage while switching insurance providers. Our team at BLACAZ is always eager to assist you, so get in touch if you have any concerns.
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