If you’re a professional or consultant working from an office, this protects you against damage to your office furniture and utensils of trade as a result of fire and allied perils, theft and accidental breakage of glass. You can also get coverage for liability, loss of rent, out-of-pocket expenses, temporary removal, public liability, cash-in-safe and on-the-premises.
As part of this policy, you can also take out personal accident insurance for your employees.