Office Package Insurance
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Office Package Insurance
Get ₹50 Lakh Cover,
Starting At ₹7,000*/year
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Get ₹50 Lakh Cover,
Starting At ₹7,000*/year
Office Package Insurance
Protects offices from multiple risks under a single policy
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An Office Package Policy provides comprehensive insurance coverage for various risks that can affect an office's daily operations. These include property damage, legal liability, and employee-related issues. It is a single policy that covers many insurance needs, making it a flexible and convenient choice for businesses.
See More...Running an office comes with many risks—fire, theft, equipment failure, or accidents involving staff or visitors. These events can stop your business, damage your reputation, or lead to legal trouble.
An Office Package Policy helps protect you from such sudden losses. It keeps your business stable when things go wrong. Instead of paying large sums from your own pocket, the insurer takes care of repair costs, legal claims, and replacement of assets.
Protects Your Investment
Your office setup—furniture, laptops, electronics—is costly. Insurance helps protect it all.
Saves You from Legal Costs
If a client or employee gets injured, the policy covers your liability.
Keeps You Running
Even during a fire or breakdown, you can recover faster with support from the policy.
Builds Trust
Having insurance shows your employees and clients that you care about safety and continuity.
Simple and Convenient
One policy gives wide protection, so you do not have to manage separate covers.
Without an Office Package Policy, one event can set your business back for months. With Office Insurance, you get peace of mind and quick support when you need it the most.
An Office Package Policy offers broad protection under one plan. It covers fire, theft, accidental damage, equipment breakdown, legal claims, and employee-related risks.
Asset Protection
Covers office furniture, electronics, laptops and printers against damage or theft
Natural Perils Coverage
Protects against fire, floods, storms, riots and other natural disasters
Equipment Breakdown
Covers repair/replacement costs for mechanical or electrical failures
Third-Party Liability
Covers injuries to visitors or damage to third-party property
Employee Protection
Includes personal accident cover and legal compensation under labour laws
Business Continuity
May cover temporary office rent if premises become unusable
Optional Add-ons
Can extend coverage with terrorism protection, employee fraud cover, or document loss protection
Any business that operates from a physical office space should consider getting an Office Package Policy. If your work depends on furniture, electronics, and people working together in one location, this policy can help protect you from financial shocks.
BFSI Offices
Banks, NBFCs and financial service providers storing sensitive records and high-value equipment
Advertising Agencies
Creative teams using expensive laptops and client files needing secure environments
Co-Working Spaces
Shared workspaces with multiple tenants and large amounts of movable assets
Retail Offices
Shops or chains managing inventory, POS systems and customer visits
Telecom Offices
Telecom providers running backend operations or customer support centers
IT Offices
Software companies, tech startups and data-driven businesses with servers/workstations
Law Firms
Legal practices handling confidential files and daily client interactions
BPO Offices
Outsourcing firms with heavy equipment usage and high employee footfall
An Office Insurance Policy covers multiple risks that can affect your workplace. It protects your office property, equipment, employees, and legal liabilities under one simple plan. Fire Insurance forms the base of this policy, and all other covers—such as burglary, breakdown, liability, and employee protection—are added as per your needs.
Here is a detailed look at what is usually covered:
Property Damage
Fire and Special Perils
Covers damage to the office building and contents due to fire, lightning, explosion, riots, strikes, malicious damage, storms, cyclones, and floods.
Burglary and Theft
Covers loss or damage to office items caused by burglary, forced entry, or attempted theft.
Electronic Equipment
Covers computers, servers, fax machines, and other essential electronics used for business.
Equipment Breakdown
Pays for repairs or replacement if office machines fail due to mechanical or electrical breakdown.
Plate Glass and Neon Signs
Covers sudden or accidental breakage of glass panels, neon signs, and glow boards.
Money Coverage
Covers theft or loss of cash, cheques, currency, and postal orders stored in the office.
Liability
General Liability
Covers legal expenses and compensation if a third party is injured or their property is damaged inside your office.
Employee Liability
Covers your legal responsibility under the Workmen's Compensation Act for employee injury or death during work.
Employee-Related Coverage
Workers' Compensation
Pays compensation to employees for injuries or death during employment.
Personal Accident Cover
Supports employees in case of accidental death, permanent disability, or partial disability.
Fidelity Guarantee
Covers financial loss caused by dishonest acts, fraud, or theft committed by employees.
Additional Benefits
Burglary and Accidental Breakage
Covers unexpected loss or damage due to break-ins or breakage of insured items.
Additional Rent Cover
Pays for a temporary office space if your premises become unfit for use after a covered loss.
Terrorism Cover
Some insurers offer protection for damage caused by terrorist acts.
While Office Insurance covers a wide range of risks, there are certain events and situations that the policy does not include. Understanding both inclusions and exclusions helps you set the right expectations during a claim.
Inclusions refer to the specific perils, equipment, and liabilities covered by the policy—such as fire, theft, breakdown, and legal liability.
Exclusions are risks or situations that are not covered, such as loss caused by war, nuclear hazard, or wilful negligence.
War and Nuclear Risks
Loss or damage due to war, invasion, or nuclear incidents is not covered.
Wilful Negligence
Damage caused by deliberate actions or carelessness by the business owner or staff is excluded.
Wear and Tear
Gradual wear, rusting, corrosion, or poor maintenance is not covered.
Illegal Activities
Any damage arising during unlawful business activities will not be accepted under claims.
Unoccupied Premises
If the office remains vacant for a long time, certain claims may not be valid.
Loss of Market or Reputation
The policy does not cover loss of customers, contracts, or goodwill.
Pollution or Contamination
Claims due to environmental pollution or contamination are usually excluded.
Cyber Risks
Data breaches and cyber attacks are not covered unless cyber insurance is taken as an add-on.
1. Notify Us
As soon as the loss or damage happens, contact us within 2 days. Share all relevant details and documents, such as photos or reports. We will make sure the process starts without any delays.
2. Surveyor Visit
Once notified, a surveyor will visit your site within 1-2 days to assess the damage. Please avoid moving any damaged items until the surveyor arrives. After that, we will take care of the next steps.
3. Submit Required Documents
We will guide you through submitting the necessary documents, including the claim form, incident notes, and financial records. Our team will ensure everything is submitted correctly and on time.
4. Claim Assessment & Approval
Once the documents are submitted, the surveyor will evaluate the claim and provide a settlement amount based on your policy terms. After approval, the insurer will finalize the settlement.
5. Payment Processing & Claim Closure
Once the settlement is approved, payment will be processed and issued to you or your beneficiary. After payment, the claim will be closed. If any further issues arise, we will be here to support you until they are fully resolved.
Our streamlined claim process ensures quick resolution while maintaining transparency at every step, helping your business recover from operational interruptions with minimal financial impact.
Real Review for Real Speed
Vishal Sharma
FounderAutopilot Design
Common Questions Answered
Common Questions Answered
Have questions or need to speak to an expert?
It is a single policy that covers multiple risks related to office premises, including fire, theft, breakdown, legal liability, and employee safety. It helps protect your assets and manage unexpected losses without buying separate covers.
Any business that operates from a physical office—such as IT firms, law offices, design agencies, banks, and BPOs—should consider an Office Package Policy to protect their workplace, staff, and clients.
The policy covers fire and add-on policies like burglary, electronic equipment, machinery breakdown, liability, personal accident, and more. You can also add covers like terrorism or employee fraud to an Office Package Insurance Policy.
Yes. Fire and Special Perils form the base of an Office Package Policy. This includes fire, lightning, storm, flood, riots, and other natural or accidental causes. Other covers are added on top of this base.
Yes. You can add or remove covers based on the risks your office faces. This makes the policy flexible and suitable for different industries.
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