Property Insurance

Your office is where the magic happens so it needs protecting, whether you own or rent it.

If you own the building where your business is based, you’ll need to have buildings insurance to insure you against potential hazards like a fire caused by an electrical fault.

If you rent your office, check with your landlord to see if they have buildings insurance or if you need to take it out as part of your lease.

Why You Might Need It:

• Building protection such as fire, flood, earthquake, natural disasters.
• Satisfy your lease or mortgage agreement.
• We will cover improvements you make to the building.

Our buildings insurance covers damage to the structure of the building such as the roof, walls, ceiling, floors, doors, windows, fitted fixtures and sanitary suites. It also covers signs, outbuildings, gates, fences and mains supply pipes and drains for which you are responsible.

Fast Facts:

• You should insure your building for the amount it’d cost to rebuild it, rather than the market value.
• To buy our buildings insurance, you'll also need to purchase our office contents insurance, as these are sold as a package.
• If you work from home, we can’t insure your building, but take a look at our office bundle that’s been designed with small home-based businesses in mind.

Protecting key physical assets is essential for creating a successful and sustainable business, and is perhaps the most important protection that a company will buy. It is the cornerstone that helps ensure businesses continue to trade after a disaster.

At Travelers we understand the wide and varied exposures faced by the property owners’ industry and have designed a bespoke product to protect customers against a range of exposures.

Our Expertise

At Travelers we understand the wide and varied exposures faced by the property owners’ industry and have designed a bespoke product to protect customers against a range of risks. Our underwriting expertise, paired with risk management and claims oversight, gives clients peace of mind that allows them to focus on running their business.

Who Is This Right For?

Our property and business interruption insurance can protect any company that wants to ensure it can continue to operate without interruption if its buildings, equipment or stock are damaged.

When business owners are focusing on winning a job with a new client, they don’t need to worry about how they would manage if a laptop or other critical office equipment were lost. Our contents insurance can help a business get back on its feet if workplace equipment, like computers and furniture, is damaged or stolen.

Why It's Important

• Travelers’ Office Contents Insurance helps business owners feel safe that they’re protected and can get on with running their business if something goes wrong.
• It is a tailored policy that insures office contents against theft, fire, flood and accidental damage - whether a business owner works from home or has a separate workplace.

Our Property Contents Insurance Covers:

• Business equipment damaged or destroyed by a fire or other disaster.
• Portable equipment like laptops, smartphones and tablets - business owners can even choose to be covered when  travelling overseas.
• Desktop computers, printers, scanners and other office equipment.
• Fixtures and fittings, such as carpets and furniture.
• Improvements a business owner has made to the workspace, such as lighting and partitions.
• Contents while in transit or at a trade show.
• Items that have been taken out of the office and are at an employee’s home or are out on repair.
• Documents stored somewhere else for safekeeping, such as at a solicitor’s office.
• The breakdown of computer equipment, including any extra costs a business owner needs to pay to keep the company running, plus income lost as a result of the interruption.

Travelers’ Terrorism Insurance can help a business recover if its workplace is damaged by an act of terrorism.
 
If business equipment and other workplace property are damaged as a result of a terrorist attack, a company could lose income - and take a while to get back on its feet. 

That’s where terrorism insurance comes in.

Why It's Important

• It safeguards business income, business equipment and other workplace property against the impact of a terrorism act.
• It protects business premises located in high-risk areas, such as those near government buildings, major transport hubs, landmark buildings or in a financial district.

Fast Facts:

• Cover includes business equipment and other workplace property, building and any loss of income following a terrorist attack.
• Business owners who purchase office contents insurance from Travelers can include terrorism insurance in their overall cover.