Small Office Insurance

For businesses with up to three partners

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Office Essentials

The Office Essentials product is aimed at smaller professional firms. The insurance policy, which can be arranged online, caters to: 

  • Firms with up to 3 Partners 
  • Revenue less than £500K; home-based with up to £150,000pa or commercial premises with up to £500,000pa 
  • For home or single office 

Aon is able to arrange additional / higher cover if the Office Essentials product doesn't meet your office insurance needs. Contact us on 0333 920 8503 to discuss your requirements.

Product summary 

Two versions of the Office Essentials policy are available:home-based office and commercial premises based.  

For home-based office, the premium is £160.001 and policy cover includes:

  • £5,000,000 cover for Public Liability
  • £5,000,000 cover for Products Liability
  • Contents and computers up to £10,000
  • Portable equipment £2,500
  • Business interruption gross revenue (12 month indemnity period) £150,000
  • Loss of documents including library £25,000 – Please Note: cover does not include damage to information on computer systems due to mechanical breakdown, accidental or malicious erasure or corruption, or any unidentifiable cause.
  • Employers liability £10,000,000
  • Personal accident assault £15,000
  • Money on the premises or in transit up to £250

For a commercial premises based office, the premium is £283.201 and policy cover includes:

  • £5,000,000 cover for Public Liability
  • £5,000,000 cover for Products Liability
  • Contents £30,000 and computers up to £15,000
  • Portable equipment £5,000
  • Business interruption gross revenue (12 month indemnity period) £500,000
  • Loss of documents including library £25,000 – Please Note: cover does does not include damage to information on computer systems due to mechanical breakdown, accidental or malicious erasure or corruption, or any unidentifiable cause.
  • Employers Liability £10,000,000
  • Personal accident assault £15,000
  • Money in transit, in a bank night safe or on the premises during business hours up to £3,000

Small professional offices with up to three Partners

Subject to Terms and Conditions. Should you require the higher limits for the Contents based covers, you can apply for Commercial premises based policy, even if you are working from home 

Risks with more than one premises are not eligible for this product 

Whilst your risk would be deemed too large for the Office Essentials product, you may be eligible for one of the other Office product solutions. Please contact us.

Please read the Summary of Cover for further information.

About Aon

Aon is one of the UK’s largest insurance broker (ranked third by brokerage, Insurance Times, August 2016). Our team of Client Managers can also arrange Professional Indemnity, Public Liability and Motor insurance. 

In the event of a claim, notification must be made in writing, with a copy of your schedule of insurance to: 

Maven Underwriters
Broadspire
Tempus
249 Midsummer Boulevard
Milton Keynes
MK9 1YA 

Telephone Number: 01908 302202 
Email Address: maven.claims@broadspiretpa.co.uk

Lines are open 24 hours a day, 7 days a week, 365 days a year. 

1 The price quoted includes insurance premium tax at the current rate of 12% and an administration charge of £20

2 Please Note: cover only applies to physical damage and does does not include damage to information on computer systems due to mechanical breakdown, accidental or malicious erasure or corruption, or any unidentifiable cause.

The Office Essentials policy is arranged by Aon UK Limited and underwritten by Maven Underwriters, which is a Managing General Agent operating under a delegated underwriting and claims authority on behalf of insurers. Maven Underwriters is a trading name of Aon UK Limited, which is authorised and regulated by the Financial Conduct Authority.

Get a quote by phone

Call us now on 0333 920 8503

Monday - Friday: 9am - 5.30pm