 |
Qdos Office Protect InsuranceWhat is it?Qdos Office Protect is a package of insurance products which offers protection against a range of risks applicable to small businesses. Having this range of cover under a single insurance policy simplifies the application and quotation process, minimising the administrative efforts required to source and purchase cover, and at the renewal stage.
Qdos Office Protect comprises of:
Office contents cover
This provides protection against loss or damage to property on your premises, including portable equipment, documents, signs, glass and money. It will also cover the costs of tenancy liabilities you may face as a result of damage to buildings or outbuildings, as well as locksmiths’ fees following loss of keys.
Legal liability cover
Encompassing both Public and Employers Liability insurances, these sections cover legal liabilities for injury or death to third parties and employees, including claimant costs and expenses. Employers’ Liability insurance is compulsory for any company with more than one employee (including directors, temporary staff, or part time staff) and has a £10,000,000 limit of indemnity which will satisfy your statutory obligations.
Computer cover
In the event that computer equipment is lost, damaged or destroyed whilst in the office, this section of cover will provide indemnity for repair and replacement. Additionally, the policy will cover the increased costs of working as a result of such damage to your computer equipment.
Business interruption cover
Cover is provided for increased operating costs in the event that your business activities are disrupted as a result of loss of or damage to contents or property, closure of premises due to vermin/pests, defective drainage or sanitation systems and loss of public provided utilities (gas/water/etc).
Legal expenses insurance
Provides indemnity against the costs of defending or pursuing legal action on behalf of your business. For full details of the legal expenses section of the policy please refer to the Summary of Cover and Policy Wording below.
For full details of the policy terms and conditions please refer to the Office Protect Summary of Cover and specimen Policy Wording below. Statement of Demands & NeedsIt is important that before deciding to purchase a Qdos product you consider whether the insurance is appropriate for you.
You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Summary of Cover (Key Facts) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions.
Please note that you are basing your purchase solely on your own interpretation of the information we have provided.
|
Click here to view Office Protect Summary of Cover |
|
|
Click here to view Office Protect specimen Policy Wording |
|
Who is it available to?Qdos Office Protect is available to small, office-based businesses in a variety of white collar trades such as:
Accountants - Agricultural Consultants - Architects - Estate Agents - IT - Insurance Brokers - Management Consultants - Marketing, Advertising and Public Relations Consultants - Communications Consultants - Solicitors - Surveyors - Publishers
The only caveats are that you do not carry out any manual work away from the premises other than IT installation, and a site security/alarm warranty applies. The acts of subcontractors, work on or in hazardous locations, project management and manual work are specifically excluded under the General Liability for surveyors and architects risks.
How much does it cost?
| Cover |
Excess |
Option 1 |
Option 2 |
| Office contents |
£250 |
£20,000 |
£40,000 |
| Computer equipment |
£250 |
£10,000 |
£20,000 |
| Portable equipment |
£250 |
£2,500 |
£7,500 |
| Loss of revenue |
£0 |
£100,000 |
£500,000 |
| Additional expenditure |
£0 |
£10,000 |
£50,000 |
| Employers' Liability |
£0 |
£10,000,000 |
£10,000,000 |
| Public Liability |
£250 |
£2,000,000 |
£2,000,000 |
| Commercial Legal Expenses |
£0 |
£100,000 |
£100,000 |
| Total premium (incl IPT) |
|
£300 |
£600 | How to apply...Qdos Office Protect Insurance is available from our online shop. Please click here to visit the shop and apply online.
Once you have added Qdos Office Protect Insurance to your shopping basket you will be required to register for a Qdos account. Once registered you will be asked to complete a short application form where you can decide on the indemnity limit you require.
Our system will confirm your premium and eligibility for cover based on the answers you provide in the application and will give you the opportunity to pay online, over the phone, or by cheque. As soon as your premium has been paid we will issue your policy documents via your Qdos account.
If you have any queries regarding this product or the application process please contact us on 01455 850000 or by sending email to leiunderwriting@qdosconsulting.com.
|
|
