Professionals require flexibility, adaptability and comprehensive insurance coverage that is serviced promptly and reliably through easy to use digital tools.
At COSMOS Insurance, we have created officeCARE, a package insurance policy, which is tailored to meet all of the above criteria and so much more!
Let’s look at 10 reasons why you should choose officeCARE.
Reason 1: All your needs are covered within a single policy
A significant advantage of this insurance plan is that, as a unified policy, you don’t need multiple contracts to get the protection your office requires.
With a single package, you receive comprehensive coverage, tailored to meet the specific needs of a modern day office, at both competitive pricing and flexible payment terms.
Reason 2: Financial benefit
Every time we purchase an insurance policy, we pay not only the premium but also policy fees. This can prove costly where multiple policies are needed to insure a single risk.
The great advantage of officeCARE is that it is a streamlined insurance policy rather than separate contracts.
This saves you money, as you only pay one policy fee.
Reason 3: Protection for both the building, its contents and equipment
The building, contents and equipment are the most critical assets of any business. With officeCARE, even specialised equipment is protected.
Regardless of whether you are a landlord or tenant, officeCARE offers flexibility allowing you choose the insurance coverage most appropriate to you. This can include, the building, improvements or even the office front.
Everything that makes up your office and is essential to your work is in safe hands with officeCARE.
Reason 4: Coverage for business interruption
Unfortunately, many people overlook the importance of business interruption coverage.
However, this addition to your policy ensures that even after a major disaster strikes your office, you won’t be left with ongoing expenses at a time when business has ceased.
officeCARE, with its Business Interruption coverage, ensures your obligations are taken care of.
Reason 5: Specialised coverage for computers
A critical component of every office is its computers and a malfunction could seriously disrupt your operations.
The Computer Breakdown coverage of officeCARE protects your business against damage to computers caused by mechanical or electrical failure, or power outage or fluctuation.
officeCARE will cover the damage to your computers and help you return to normal operations with minimal hassle.
Reason 6: Money protection
Although electronic payments are widely used today, some offices still handle cash.
With officeCARE, you are covered for any loss of money held in connection with your business, whether during transportation or while on your premises.
In the latter case, during working hours, the money is covered whether it is inside or outside a safe, and during non-working hours, it is covered as long as it is locked in the safe.
Reason 7: Employer’s liability
Employer’s liability is of utmost importance when you employ staff. With officeCARE, you are covered in line with the law, and your employees are protected, not only because it is compulsory but also because professional ethics demand it.
Employer liability covers both any compensation that may be awarded and defense costs.
Reason 8: Public liability coverage for accidents on office premises
Another reason to choose officeCARE is the public liability coverage it provides. Since accidents can happen even in the most well-maintained offices, a moment of bad luck or carelessness on your premises can cost you dearly without proper insurance protection.
This coverage includes any compensation that may be awarded, as well as defence costs.
Reason 9: Professional liability coverage for cases of negligence
Another essential coverage you need, especially as a highly skilled professional, is Professional Liability insurance, which officeCARE offers.
As accountants, medical professionals, lawyers, architects, etc., a mistake during your provided services can be fatal and truly damaging to your career.
Our insurance protects you against claims arising from negligence, allowing you to work without added stress.
Reason 10: Flexibility
Finally, officeCARE offers flexibility, allowing the modern professional to customise the package, according to their own needs ensuring your office is at a competitive advantage by having a safety net against risks that may disrupt your business unexpectedly. You may also pay in interest-free instalments.
At COSMOS Insurance, we offer comprehensive coverage for your office, providing you with peace of mind through a single policy, allowing you to focus entirely on your professional work.
Contact our offices or one of our insurance intermediaries today and protect your productivity in the business world with the support of COSMOS Insurance.
