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Office Insurance
Office Insurance – Protect Your Business Backbone
Your office is more than just a workspace—it's the foundation of your business operations. From valuable equipment and documents to furniture and interiors, a lot is at stake. Risk Relife’s Office Insurance is designed to shield your business premises and physical assets from unforeseen risks like fire, theft, natural disasters, or equipment breakdowns. Because when your workspace is protected, your business stays uninterrupted.
What is Office Insurance?
Office Insurance is a comprehensive business policy that covers your office building, contents, equipment, and liabilities. It ensures business continuity by offering financial protection against damage, loss, or disruptions caused by insured perils.
What Does Office Insurance Cover?
- Fire & Allied Perils: Protection from fire, lightning, explosions, riots, storms, floods, and earthquakes.
- Burglary & Theft: Covers loss or damage due to break-ins, armed robbery, and theft of office contents.
- Office Equipment Coverage: Computers, printers, air conditioners, servers, telephones, and other electronics.
- Furniture and Fixtures: Chairs, tables, storage units, and interior fittings.
- Electrical & Mechanical Breakdown: Repair or replacement of damaged office machinery and equipment.
- Money in Safe or Transit: Optional coverage for cash handling businesses.
- Personal Accident Cover: For business owners and key employees (optional).
- Business Interruption: Covers loss of income during downtime after an insured event (add-on).
- Third-Party Liability: Covers legal liabilities arising from injuries or damage to third parties on your premises.
Who Should Opt for Office Insurance?
- Corporate Offices
- Start-ups and Co-working Spaces
- IT & Software Companies
- Architects & Legal Consultants
- Chartered Accountants
- Education & Coaching Institutes
- Any Business Operating from an Office Setup
Add-On Cover Options
- Cyber Liability Cover
- Plate Glass Damage
- Employee Theft & Dishonesty
- Signage and Branding Damages
- Portable Equipment Coverage (Laptops, Tablets, etc.)
What’s Not Covered?
- Normal wear and tear
- Pre-existing damages or defects
- Losses due to war, terrorism (unless separately covered)
- Willful negligence or fraudulent acts
- Loss of data or intellectual property (unless add-on selected)
Why Choose Risk Relife for Office Insurance?
- Tailored policies for office-based businesses
- Single policy with wide-ranging protections
- Affordable premiums for SMEs and large firms alike
- Quick claim assistance with dedicated support
- Coverage flexibility based on your office size and operations