Insurance Issues When Moving Office Premises

 When you're moving office premises, you may have a large number of things to fret about but perhaps don't consider insurance to be one of them.

If that's the case, you may find yourself seriously at risk and that's why it's worth taking a few minutes to read what follows or click her to know more Packers and Movers Delhi to Sonipat, even if you're using professional office movers to help.

Areas of risk

There is a first basic principle to take into account relating to insurance and in fact this applies to virtually every form of insurance cover both personal and relating to possessions.

That fact is that insurance policies don't like changing circumstances. They are typically written to provide cover against a range of specified risks in a defined set of background circumstances. If you change those circumstances, without discussing them with your insurance company in advance, in some cases you may unintentionally invalidate your policy.

So, while you are starting to talk to your office removals company, think about the following areas and how changes to them may or may not affect various forms of your insurance protection:

  • Your business is moving to a different location with a different postcode
  • Perhaps as a result of that, you are purchasing additional furniture and other equipment thereby increasing overall risk values for your insurance provider
  • Your equipment and other things, such as paperwork, may be in transit and therefore not officially located either at your old or new address for a period of time.
  • Your employees, whether at your request or perhaps accidentally, may start to engage in packing and perhaps lifting activities to help with the removal. From an insurance viewpoint, that may well be considered to be activities that are not part of their legitimate 'normal daily duties'.

This list could be extended considerably but hopefully by now the point has been made. If you are planning to make significant changes to what your employees are being asked to do, even for a short period of time, as well as changing the background to what your insurance company thinks they know about your business operations, then you must talk to them beforehand.

Not always a problem

Now if you're worrying that the result of talking to your insurers is almost inevitably an increase in your premium, then don't fret too much.

Some policies may automatically include cover for some of the above issues and in other cases your insurer may be willing to take it under risk for a short period of time without charge. The good news is that commercial removals are usually done and dusted within a maximum of a couple of working days or so.

Packing and removals issues

It's perhaps worth saying a specific word or two here relating to the very particular issues that can apply to your employees.

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