As expert Office Insurance brokers, Crown Cover will ensure that you find the ideal quote which suits your needs.

If you are entering into a commercial lease for the first time, you should be aware that there are many pitfalls and you are strongly advised to seek our help through the service provided by our team of office insurance brokers.

Any quote from a group of office insurance brokers should ideally include the following:

Accidental breakage indemnity 
What exactly is covered varies between quotes, but this normally covers damage or destruction to fixtures and inclusive objects within the premises.

Some commercial leases will require tenants to be insured against damage or dilapidation caused by employees or any other occupants.

If the lease requires the tenant to leave the premises in a better state than it was when the tenancy starts, then the coverage extends to such improvements made in due course.

Public liability insurance 
If you are an employer who is a current leaseholder, then you will need to insure yourself against legal action if members of the public visit your premises and get injured or killed.

If you are a landlord, then you should ensure that a quote includes Landlord insurance policies should ideally include liability insurance, protecting them from legal costs which could easily run into thousands of pounds should a personal injury claim be made in connection with the property and the state of it.