Office type risks

Your office, our priority

In a nutshell

It might come as a surprise that smaller businesses operating in office environments are often the least protected type of business when it comes to insurance cover. And you have good grounds to be worried, because in today's litigious business environment even the smallest professional office faces liability risks. We understand the kinds of risks that office-based businesses encounter, have taken to heart your concerns, and developed business cover that includes all risks on office premises, including buildings, office contents, business interruption, employees and public liability, IT equipment, legal expenses, and other office risk exposures.

Key benefits

Target market

Office type risks

Buy the best cover in town, when you join our royal family.

  • Accounts receivable.
  • Architects & other professional fees.
  • Capital additions.
  • Cross liabilities.
  • Demolition & clearing costs.
  • External signs, blinds, building canopies, gate motors, borehole & swimming pool pump machinery & equipment.
  • Fire extinguishing charges.
  • Gardens, garden furniture & water features.
  • General liabilities.
  • Labourers/contractors/employees omissions.
  • Load shedding power surges.
  • Locks & keys.
  • Loss of water.
  • Power surges & lightning strikes.
  • Prevention of access.
  • Property temporarily removed.
  • Public supply connections.
  • Removal of trees.
  • Rent & alternative premises.
  • Security costs.
  • Skeleton keys.
  • Tenant's liability.
  • Water heating systems & pressurised pipes.
  • Accidental damage.
  • Bursting or overflowing of geysers, water heating systems & pressurised water pipes (cover for wear & tear can be included).
  • Business all risk.
  • Debris removal.
  • Electronic equipment.
  • Employee & visitors property.
  • Escalator clause.
  • Fidelity cover.
  • General liabilities.
  • Glass.
  • Goods in transit.
  • Leakage by sprinklers, drenching systems & fire extinguishers.
  • Malicious damage.
  • Motor: Passenger liability & unauthorised passenger liability.
  • Motor: Specified or fleet basis (deposit premium options).
  • Non-forcible & violent entry into vehicle.
  • Office contents.
  • Personal accident & stated benefits.
  • Riot & strike.
  • Security services.
  • Spread of fire.
  • Subsidence & landslip.
  • Theft with & without forcible or violent entry/exit.