Office Package policy
Office Package Insurance
Description of Office Package Insurance
Office Package Insurance is a comprehensive policy that provides bundled protection for office premises, contents, employees, and business operations against a wide range of risks. From fire and burglary to liability and equipment breakdown, it offers a single solution to safeguard your office from day-to-day uncertainties.
Whether you run a consultancy, clinic, design studio, or co-working space, this insurance ensures your business is protected from financial losses that could disrupt your operations.
Key Benefits
- Covers office building and interior contents (furniture, computers, etc.)
- Protection against fire, theft, natural calamities, and accidental damage
- Covers electronic equipment and breakdown of machinery
- Includes employee personal accident and third-party liability coverage
- Option to add business interruption or fidelity cover
What’s Not Covered
- Loss due to war, terrorism (unless opted), or illegal activities
- Gradual wear and tear or maintenance issues
- Loss of data (unless electronic data cover is added)
- Unoccupied premises for extended periods
- Losses without proper documentation or proof
Exact coverage and exclusions may vary across insurers. Review your policy terms carefully.
Coverage Inclusions – Part 1
🔥 1. Fire & Allied Perils
Covers damage or loss to the office premises and contents due to fire, explosion, lightning, storm, flood, and earthquake.
🔐 2. Burglary & Theft
Compensates for stolen or damaged assets due to burglary, break-ins, or attempted theft.
💻 3. Electronic Equipment Insurance
Protects office gadgets like laptops, desktops, printers, servers, and other devices from accidental damage or electrical/mechanical breakdown.
Coverage Inclusions – Part 2
⚙️ 4. Machinery Breakdown Cover
Covers sudden breakdown of essential office machines like ACs, lifts, UPS systems, etc.
💰 5. Money Insurance
Provides coverage for loss of money kept in safes, cash drawers, or during transit (e.g., to the bank).
🧍 6. Personal Accident Cover for Employees
Provides compensation in case of accidental injury, disability, or death of employees during work-related activities.
⚖️ 7. Public Liability Insurance
Protects your office from legal liability if a visitor or third party is injured or their property is damaged on your premises.
Tinassure Insight
A secure office is the backbone of a successful business. With Office Package Insurance, you protect not only your physical assets but also your people and professional reputation.
Tinassure helps you customize your office policy — whether you run a small setup or a large workspace — ensuring you’re covered against everyday risks and rare emergencies alike.
📩 Want help choosing the right office insurance plan?
Tinassure is here to guide you — clear, practical, and business-ready.
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FAQS
Office Package Insurance is a bundled policy that provides comprehensive coverage for your office space, contents, equipment, employees, and legal liabilities — all under one plan. It protects against risks like fire, burglary, equipment breakdown, and third-party claims.
This policy is ideal for:
Startups and small business owners
Professionals like lawyers, doctors, and consultants
Co-working spaces and agencies
Clinics, studios, and service-based offices
If you own or rent an office space and use valuable equipment, this insurance is a smart choice.
Property insurance mainly covers damage to the building and contents due to fire or natural calamities. Office Package Insurance is more comprehensive — it also covers theft, machinery breakdown, employee accident cover, public liability, and more.
Yes, most office package policies include coverage for electronic equipment such as computers, printers, servers, routers, and CCTV systems — provided they are declared in the policy and used for business purposes.
Yes, you can opt for Personal Accident Cover for employees, which provides compensation in case of accidental death, injury, or disability while at work.
Absolutely! Office Package Insurance is flexible and can be customized with add-ons like money insurance, business interruption cover, and higher coverage limits depending on your business setup and risk profile.