Office :

HLI Office insurance provides the widest possible cover and is competitively priced to include the following:

• Buildings - "All Risk" cover
  
• Contents - "All Risk" including cover when away from premises (include surveying equipment)
  
• Liability - £10,000,000 employer's and £2,000,000 public liability as standard
  
• Business Interruption - loss of income for 12 to 36 months
  
• Working from home

HLI (UK) LIMITED - OFFICE INSURANCE

Buildings are insured for "All Risks" together with:

• Loss of rent
  
• Property owners liability
  
• Excess - £100 except for subsidence - £1,000

Contents are insured for "All Risks" together with:

• Portable electronic equipment - automatic cover when away from your premises (in the UK), sum insured £5,000.
  
• Other property temporarily removed - up to 15% of the office contents sum insured.
  
• Loss of rent - limit of 25% of the sum insured for contents.
  
• Accidental loss or damage to all glass and fixed sanitary ware.
  
• Loss of negotiable money eg. Cash, postal orders including in transit, when open for business or in a bank nightsafe up to a maximum of £4,000.
  
• Assault benefits payable as a result of malicious attack by anyone stealing or attempting to steal money or contents:
  • £10,000 benefit following death, loss of limbs or sight or permanent inability to work
    
  • £100 weekly benefit for temporary inability to work
    
• Replacement locks to a limit of £500
  
• Debris removal costs

Liability Insurance

The following covers are automatically included within the contents section of the policy

• Employer's liability - excluding offshore work - indemnity limit £10,000,000 including Health & Safety at Work Act (1974), indemnity to others, private work and court attendance
  
• Public liability - indemnity limit £2,000,000 including Health & Safety at Work Act (1974), temporary visits abroad, personal liability and motor contingent liability.

Business Interruption

Provides protection against loss of income and extra expenses, or extra expenses only. Indemnity period 12 to 36 months can be selected.

• Income is the money paid or payable to you in the course of the business at the premises for services rendered.
  
• Extra expenses are the costs necessarily and reasonably incurred by you in minimising the disruption to the business following damage.

These are summaries of the key benefits on these policies. If you would like further information, including important exclusions and limitations or a summary of cover then please contact us.