Office contents insurance

Cover for everything in your office... Even your 'best dad ever' coffee mug

In a nutshell

Sometimes, it's not just about what you do, it's also about how you do it... And have you ever wondered how you'd do it if all your stuff was stolen or damaged? Luckily, the king has a back-up plan. We'll cover your office contents, rent and alternative premises, documents and legal liability related to documents, and increased cost of working, so that you can keep doing what you do.

  • Office contents, including personal effects and tools.
  • Alterations and misdescription.
  • Capital additions.
  • Demolition and clearing costs.
  • Fire extinguishing charges.
  • Limitations: Money and stamps (up to the maximum stated on your policy schedule), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
  • Load shedding power surges.
  • Locks and keys.
  • Malicious damage.
  • New and additional premises.
  • Prevention of access (applicable to rent).
  • Property removed temporarily.
  • Reinstatements and replacements.
  • Skeleton keys.
  • Temporary repairs.
  • Tenants' clause.

Loss or damage to property due to or caused by

  • A tsunami or tidal wave because of an earthquake.
  • Any process involving the use or application of water.
  • The underground workings of a mine.
  • Intentional damage by you (or with your knowledge/consent), your principals, partners, members and directors.
  • Subsidence or landslip (unless otherwise stated on your policy schedule).
  • Removal (or partial removal) or demolition (or partial/attempted demolition) because of an attempted or successful theft at your building.
  • The building being unoccupied for more than 30 consecutive days, vacant, or abandoned.
  • Of cars or motors, including motorised scooters, LDVs, caravans, trailers, aircraft, trucks and watercraft, and all their accessories.
  • Of electronic data processing equipment and related software and hardware and the stored information or data.
  • Of stock and materials in trade.
  • Of property that's more specifically insured.
  • Of documents, designs, patterns, models or moulds, samples, money, securities, stamps, jewellery or precious stones, which must be insured under ‘Documents'.
  • Of documents: Costs for the reshooting of films or videos or recording of audio.
  • Of documents: Electric, electronic or magnetic injury, disturbance or erasure of electronic or magnetic recordings (except when it's caused by lightning).
  • Gradual deterioration or wear and tear of documents.
  • Of documents: Vermin or inherent defects or the processing/copying of documents.
  • Of documents: Dishonesty of any principal, member or director (with exceptions and conditions as stated on your policy schedule).
  • Of liability: Liability assumed by agreement (with exceptions as stated on your policy schedule).
  • Of liability: Legal liability where your claim under office contents ‘Documents' cover has been rejected.
  • Power surges and lightning strikes.
  • Riot and strike.
  • Subsidence and landslip.
  • Theft with forcible entry/exit.
  • Theft without forcible entry/exit.