Moving Offices – Is Extra Insurance Worth the Money?
If you’re soon to be moving your business, you may well have been busy gathering quotes from removal firms. Following the third or fourth, you may have wondered just why it is that some office removal companies include insurance in the price, and others don’t – instead requiring that you pay an additional fee. Here we explain why these differences exist between businesses in our industry.
What is Office Removals Insurance?
Where a removal firm asks that you pay extra for insurance, you’ll find that this is for specialist office removals, which will cover your items for the move to a higher value (the more expensive your items are, the more expensive the premium will be).
It’s important to note at this point that in order to be covered, you’ll need to allow the removals firm to pack everything for you (which in itself will introduce an added charge).
The Basic Insurance that every removal company should hold
Any removal company that is considered professional will hold both Goods in Transit Insurance and Public Liability Insurance (typically these policies should have coverage up to £2m). However this insurance will typically only pay a percentage of the value of your items, or provide coverage for replacement for like-for-like (e.g. second hand items).
You need to check your own insurance
Before you make a decision as to which will be most suitable, you should get in touch with your current contents insurer to establish whether you’re already covered for office relocation (which you may well be). Alternatively, you could also explore whether they offer a top-up fee if you aren’t covered under the normal policy.
Ultimately office removals insurance can offer that added layer of protection and peace of mind that your items are covered for more than just second-hand replacements. If you’re unsure as to whether this is suitable for your business, or whether a cheaper service without dedicated insurance will suffice, feel free to get in touch and we’ll run you through your options.
So, that’s your insurance question answered; before your big office relocation, you may also want to read our blog on the 7 Office Removal Mistakes NOT To Make, in order to avoid unnecessary downtime.
Preparing for your office re-location? Whilst added insurance can provide extra protection for the transport of your office, you still face a potentially stressful and complex move. Allow us to remove your office items (and remove much of the stress). Get your two-minute online quote for your York office move or find out more about our York office removals; alternatively you can phone our team on 07931 849 112 or 01904 375 995, or email us via [email protected].