We often receive emails from people working in garden offices who are having difficulty in getting insurance for their garden office – the common complaint is ‘our insurer won’t cover us because the office is timber’.
To provide some clarity on the subject we contacted Henshalls who have experience in securing comprehensive insurance cover for people working in a garden office, here’s what they suggest:
One of the contracts that is proving to be very successful in terms of premium / cover is the ‘Homeworking’ package whereby we have been successful in placing cover for persons operating from a Garden Office. Overall, cover is subject to the construction of the office being substantial with suitable locking devices, ongoing maintenance especially in respect of flat, felt on timber roofing and electrical wiring.
It is usual for Insurers to apply a higher excess in respect of storm cover and a warranty in respect of flat roof inspection
Cover is available for:-
- All Risks
- Machinery Breakdown
- Refrigerated Stock
- Household Contents
- Personal Possessions
- Loss of Income
- Increase in Cost of Working
- Alternative Accommodation
Goods in Transit
So, if you are working in a garden office and looking for comprehensive insurance cover for your building, its contents and your business give Henshalls a call on 01743 231 091 or visit their website www.henshalls.com, they have experience in the field!