A workplace package policy brings together the essential covers that offices, shops, workshops and similar premises need under a single policy. It protects buildings, contents and stock against fire and natural perils, while also addressing everyday operational risks through covers such as theft, glass breakage, electronic equipment and third party liability.
Package policies are practical and easy to manage, but sub-limits, deductibles and exclusions vary from one insurer to another. It is therefore important to select a package suited to your business activity and asset values, and to complement it with additional covers where needed. The final scope depends on the policy wording of the chosen product.
Who is it for?
- Offices and professional practices
- Shops, showrooms and retail premises
- Small workshops and production units
- Cafés, restaurants and similar service businesses
Scope of cover
- Fire, lightning and explosion: Core cover for buildings, contents and stock
- Natural peril options such as earthquake, flood and storm
- Theft and glass breakage
- Electronic equipment cover
- Public liability
- Employer’s liability options
- Extension options such as loss of rent and business interruption
Scope of cover, limits and deductibles are determined by the insurer’s general and special conditions; the final scope is set out in the policy.
The Proxima Brokers approach
We assess your business activity, asset values and workforce to determine the set of covers that suits you. We compare package products from different insurers in terms of sub-limits, deductibles and exclusions, and close any gaps with additional covers. At renewal we update your values, and we follow the process on your behalf from claim notification to settlement.