Offices hold more value than people think: computers, servers, furniture, records and cash. An office package policy protects all of it under one policy, so a fire, theft or electrical fault does not stop your work.
Who needs it
- Corporate and branch offices
- CA, legal, consulting and IT firms
- Clinics, coaching centres and agencies
What's covered
Fire and allied perils
Building, furniture, fittings and contents.
Burglary
Theft of contents after forcible entry.
Electronic equipment
Computers, servers, printers and phones against accidental damage and breakdown.
Money
Cash in the office safe and in transit.
Plate glass
Accidental breakage of glass partitions and windows.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Theft without forcible entry
- Wear and tear and gradual deterioration
- Data loss and cyber attacks (see Business Cyber insurance)
- Portable equipment outside the office, unless extended
Popular add-ons
Portable equipment
Laptops and phones anywhere in India.
Public liability
Injury or damage to visitors at your office.
Documents checklist
To get a quote or buy
- Office address and type of building
- List and value of computers and equipment
- Value of furniture and contents
- Business KYC: PAN, GST certificate and address proof
To make a claim
- Claim form and policy copy
- FIR (theft) or fire brigade report
- Purchase invoices and repair estimates
- Photos of the damage
Frequently asked questions
Are laptops covered when staff work from home?
Only if you add portable equipment cover. We recommend it for hybrid teams.
Is our customer data covered?
No. Data breaches and cyber attacks need a separate Business Cyber policy.
Related cover
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A package policy for shops and showrooms covering the premises, stock, fittings and cash against fire, burglary and more, with optional liability and personal accident cover.
ExploreJeweller's Block Insurance
A specialised policy for jewellers covering gold, diamonds and precious stock against burglary, robbery, fire and more, at the shop, in the safe and in transit.
ExploreFire & Burglary Insurance
Property cover for buildings, machinery and stock against fire and allied perils, with burglary cover for theft after forced entry.
ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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