Offices
In harmony with your office
Aware of different needs for every type of activity, we place insurance especially designed for offices at your disposal. As a self-employed worker, nobody knows better than you what the real needs of your business are, that's why we offer you the possibility to have an insurance plan tailored to your specific needs, allowing you to perform your professional activity with full guarantees.
It provides for both protection of the premises and their contents and your liability to people who carry on their professional activity there.
Essential covers and additional extensions so that you can adapt the protection to any type of business, from a personal office to a large office.
With everything necessary for facing the most usual materials and covers to protect legal aspects such as Civil Liability and Legal Defence..
We will deal with direct material damage caused by these eventualities at the premises insured. Furthermore, in the case of fire or explosion, damage caused by office installations, machinery or involuntary accidents.
Among the commonest damage is that caused by increases in tension, short circuits or overloading in apparatus connected to the electricity grid. Furthermore, this cover offers you the option of covering both electrical and electronic appliances and installations - you decide.
We deal with damage caused by water at the premises insured arising from their own installations or those of adjacent premises or dwellings, including infiltrations and locating and repairing damage.
We cover breakage of glass caused accidentally at the premises insured, including both, glass in doors, windows and other fixed elements such as hoardings, signs or sanitary ware.
We offer an indemnity in the event of theft at the premises insured and also in the event of robbery of those items insured stolen by using intimidation or violence. Furthermore, this essential cover extends to damage caused to the building through this same cause.
If you take out this cover we will cover material damage to the machinery and electronic equipment installed on the premises insured, necessary for carrying out your professional activity.
When carrying out your work you can find yourself in situations in which you must be liable to third parties. With this cover, apart from the covers required by law, you will find others of enormous assistance in the event of claims connected with your premises, work or employees, through loss of third parties' documents or those occurring as a result of work connected with your activity carried off the premises.
Furthermore, we offer you protection from possible damage resulting from any of the cases included in the product, such as aesthetic damage, replacement of files and document or the expenses arising from demolition, removal of débris or salvage.
Cover adapted to new technologies which places a 24/hour telephone at your disposal to get assistance with software, buying computers, configuration, installation and use of technological devices. It further includes an in situ computer assistance service both for collecting the damaged device for repair and for providing technical assistance at the office insured.
Cover aimed at protecting your profits in case an eventuality covered by the policy prevents you from carrying on your professional activity normality. Furthermore, it has three ways for you to choose the one which best suits your specific needs: daily indemnity, loss of gross profits and loss of rents.
We place this optional coverage at your disposal through which you will receive the best legal protection in different situations such as claiming damages from a third party sustained by your business or through breach of contract or defence in official or criminal issues.
Thanks to this cover we cover you for accidental damage caused in the office insured, i.e. that caused suddenly, by chance (unforeseeable or unavoidable) the cause of which is beyond the control of the party insured.
Furthermore, we place other covers at your disposal, such as those devised for premises to let, including protection from acts of vandalism caused by the tenant or legal protection for the landlord if necessary.
Our Oficinas insurance is aimed at either self-employed workers who carry on their activity at a personal office or business people whose activity is carried on in a large office.
The building or premises in which the activity insured is carried on, including the foundations, walls, ceilings, doors and windows that make it up are considered a container.
Furthermore, the constructions annexes such as warehouses, garages and storage rooms on the propert and with similar characteristics to those of the main construction are also considered a container.
Finally, we consider aerials, awnings and sign boards belonging to the building insured and possible recreational or sports facilities.
Those items inside the premises insured, including the establishment's furniture and those non-fixed decorative items. The machinery, electronic equipment, work tools and implements necessary for carrying out the activity insured are also included in content.
Yes. You have the possibility of including changes to the contents made by improving your premises within your content insurance, as refurbishment work. You will only pay for the corresponding share of the container that you have improved with your investment. The rest of the value of the container of the premises will continue to be borne by the owner.
This guarantee protects your profits in the event of certain situations beyond your control which do not allow you to carry on your business normality. There are three types available:
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Your office in the best hands; our experts will help you to take out the Oficinas insurance most suited to your business.
The capital of your insurance will always remain updated so that, in the event of a catastrophe, any possible indemnities will correspond to the real value of your goods.
Our repair teams offer you the best assistance, and they will quickly manage any intervention that needs to carried out in your office.
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Seguros Catalana Occidente, Plus Ultra Seguros, Seguros Bilbao and NorteHispana Seguros are joining forces to make your life easier. To be more streamlined. To always be by your side.
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