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Office Insurance

Protect your office space, assets, and operations from unexpected events with a reliable office insurance policy.

Understand the Basics

What Does Office Insurance Cover?

Office insurance is a type of business insurance that covers physical damage, financial loss, and operational risks faced by office premises. It includes protection for your office building, interiors, equipment, electronics, documents, and liabilities arising from accidents, fire, or theft. Whether you're a startup, consultancy, or corporate, this policy ensures your office operations continue uninterrupted—even when the unexpected strikes.

Quick to Buy, Easy to Manage

Benefits of Buying Office Insurance Online

Instant Coverage

Get your office insured within minutes with a fully digital policy issuance process.

Compare & Customize

Review plans from top insurers and tailor coverage as per your office needs.

Hassle-Free Renewals

Manage policy renewals and document updates entirely online—anytime, anywhere.

Secure What Powers Your Business

Why Every Office Needs Reliable Insurance

01

Protects Office Infrastructure

Covers structural damage due to fire, floods, earthquakes, and other unforeseen events.

02

Covers Furniture & Equipment

Insures workstations, computers, servers, printers, and other office assets.

03

Safeguards Electronic Data

Add-ons can include cover for data loss and electronic breakdown.

04

Burglary & Theft Cover

Protects against unauthorized access, burglary, and theft of valuable office items.

05

Legal Liability Protection

Covers claims arising from third-party injury or property damage at your office premises.

06

Business Interruption Support

Receive compensation for income loss due to temporary suspension of operations.

One Policy, Multiple Protections

Types of Office Insurance You Can Choose From

Standard Fire & Perils Cover

Covers damage due to fire, storm, lightning, and natural disasters.

Office Equipment Insurance

Protects high-value electronics, systems, and communication devices.

Burglary Insurance

Covers theft or damage due to forced entry or vandalism.

Public Liability Insurance

Protects against third-party legal claims arising on office premises.

Fidelity Guarantee Cover

Covers financial loss due to employee dishonesty or fraud.

Business Interruption Cover

Ensures your business stays afloat during recovery from insured losses.

Protection Backed by Expertise

Why Businesses Prefer Itus for Office Insurance

Plans from Leading Insurers

Choose from top-rated insurance companies with proven claim performance.

Custom Coverage Options

Pick what suits your office setup—be it leased, owned, or shared.

Transparent Policy Terms

Understand inclusions and exclusions clearly before you commit.

End-to-End Claim Assistance

Our team helps you document, file, and track claims until resolution.

Fast Online Issuance

Get your policy instantly with no physical paperwork.

Trusted by Offices Nationwide

From consultants to coworking spaces, we insure businesses of all sizes.

Insure Your Office in 3 Easy Steps

Steps to Get Your Office Insurance Policy

1. Enter Office Details

Share your office type, area, location, ownership status, and equipment details.

2. Compare Plans & Add-Ons

Select from different policies with options like fire, theft, and liability cover.

3. Make Payment & Download Policy

Pay securely and receive your e-policy instantly by email.

Support That’s Ready When You Need It

How to File an Office Insurance Claim

01

Notify the Insurer Immediately

Inform the insurer about any damage, loss, or incident at your office.

02

Submit Required Documents

Provide a filled claim form, photos, invoices, FIR (if needed), and repair estimates.

03

Claim Assessment & Payout

The insurer assesses the loss and settles the claim as per the policy’s coverage terms.

Clarify Before You Cover

Frequently Asked Questions About Office Insurance

Office insurance is ideal for business owners, startups, consultancies, and co-working space operators. Whether you own or rent your space, protecting it from fire, theft, and liability is essential for business continuity.

Yes. Even if you don’t own the building, you can insure the contents, furniture, electronics, and liabilities associated with the office premises you occupy. The property owner typically insures the structure.

Standard policies don’t include data loss or cybercrime by default, but many insurers offer add-ons like electronic equipment insurance or cyber liability that you can include for broader protection.

Property insurance covers all types of properties including homes, shops, and factories. Office insurance is specifically designed for businesses operating in office spaces and includes workplace-specific risks.

Yes. With a fidelity guarantee add-on, you can get coverage against financial loss due to fraudulent activities committed by employees, including cash theft, embezzlement, or misuse of office resources.

Sum insured is based on the reinstatement value of the office property and its contents. You can calculate it based on the cost of replacing furniture, electronics, and interiors with new equivalents.

Simple claims are often processed within 7–10 working days if all documents are submitted. Complex cases involving fire, liability, or third-party claims may take longer depending on inspections and approvals.

Yes, in most cases no physical inspection is required for basic office insurance policies. For high-value premises or complex covers, the insurer may request additional verification.

Yes. Temporary or leased office setups, including coworking spaces, can be insured based on the value of assets you own and the risks involved. Flexibility in coverage ensures suitability for all setups.

You’ll typically need a filled claim form, photographs of the damage, repair bills, proof of ownership, FIR (for theft or fire), and a damage/loss estimate. The insurer will guide you through the process.

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