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Office insurance NI

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Office insurance NI

If you live in Northern Ireland and you own an office, insurance can help protect you if things go wrong. There are different facets to office insurance that are important. This page explains what these facets are and how to fully cover your office block.

What is Northern Ireland office insurance?

Office insurance is the process of insuring your office, or office block, against damages. You need office insurance if you own an office that is in use. We devise office insurance using combined policies. You will need employers’ liability insurance, public liability insurance, and business insurance to be completely covered.

Do you need office insurance in Northern Ireland?

You will need office insurance if you own an office building and live in Northern Ireland. If you operate without it, you are at risk of an employee or customer suing you. If you are a landlord, you are at risk of damage to your building which you are not covered for.

What does NI office insurance cover?

Office insurance policies can cover all the office equipment inside your building, and office insurance may cover the building against internal or external damage, too. It protects against damage to office furniture although it is unlikely to cover electronics. This will require a separate insurance for business equipment.

What isn’t included in an office insurance policy?

If you own a commercial building which is unoccupied, this requires a different policy called unoccupied commercial property insurance NI.  If you own a commercial building like a shop or a restaurant, you will require different policies. You may wish to consider public liability insurance if your office is open to the public. If you are an employer, you will need employer’s liability insurance as a matter of law.

How do they regulate office insurance?

We regulate Insurance providers using the Financial Conduct Authority. This is a UK-wide organisation. Northern Ireland also has a Consumer’s Council who can help with disputes.

Is office insurance in NI a legal requirement?

Office insurance is not a legal requirement in Northern Ireland. The only legally mandated insurance by the UK government is employer’s liability insurance. You must have this if you are an employer. You may wish to take out office insurance anyway, since it protects your building from accidents and damage.

Are the rules the same for office insurance outside of Northern Ireland?

The rules are the same for office insurance in NI as it is for similar insurance types in the rest of the UK.

How much does office insurance in NI Cost?

To find out how much office insurance in Northern Ireland costs, doing a price comparison works fastest. Finding quotes for office insurance is fast and simple. We offer quotes right here at Apricot Insurance.

Where can you find office insurance quotes for Northern Ireland based offices?

You can find office insurance quotes on this Apricot Insurance site. Simply fill in the form with your details and let us search through options for you. Office insurance doesn’t need to be difficult when you choose us.