Insuring your office
The Professional Insured Office product from Tower Insurance, the local Manx Insurer, is a product designed specifically for offices on the Isle of Man. It is aimed specifically at those operating a professional business. Indeed you may also be interested in our specialist Professional Indemnity cover. That is why our Professional Insured Office policy has so many different sections, providing you with the cover you need under one policy.

What types of Office can be covered?
With so many different types of office it is impossible to list them all! The following examples are those we see most often, but any office, where the business could be described as being of a professional nature,  that can demonstrate an appreciation of the risks they face, and appropriate management of these risks, is likely to be suitable for the Professional Insured Office policy from Tower Insurance.

Tower Insurance recognises those businesses that have good general management, health and safety policies, intruder or fire alarms and policies that recognise the general wellbeing of their staff with discounts from our standard rates.

What cover is available?
Our policy contains many different sections of cover and options. A more detailed summary of the covers and options is available in our Professional Insured Policy Summary document.

Property damage:

• Cover is provided on an"All Risks"basis.
• "Full" theft cover is provided.
• Replacement of locks and keys following a theft.
• Buildings, general contents, tenants improvements are insured on the Day One Basis providing automatic 15% uplift of Declared Value
• General contents are covered whilst temporarily removed from the premises and in transit.
• Cover for buildings, Tenants improvement and General Contents are on a “Reinstatement as new Basis”.
• Deeds and Documents and Transparencies can be insured under the property damage section.

Liability cover:
Standard limits are shown below. Higher limits may be available on request.

• Employers Liability        £10,000,000
• Public Liability        £1,000,000
• Products Liability        £1,000,000
• Legal Defence Costs        £250,000

Other covers:

• Computer Insurance, including reinstatement of computer records.
• Money up to £4,000 on the premises during business hours.
• Money up to £1,000 in the safe overnight.
• Personal Accident  hold-up cover.

The Benefits of Tower Insurance Professional Insured's cover:

• A locally based claims team, for when you need us most.
• A policy designed and priced specifically for Isle of Man businesses.
• Local customer service teams for you and your broker.

Documents:

• Professional Insured Office summary of cover (303.41 kB)
• Professional Insured Proposal Form