INSURANCE ISSUES WHEN MOVING OFFICE PREMISES

When you're moving office premises, you'll have an outsized number of things to worry about but perhaps don't consider insurance to be one among them.

If that is the case, you'll end up seriously in danger and that is why it's worth taking a couple of minutes to read what follows, albeit you're using professional office movers to assist.

Areas of risk

There is a primary fundamentals to require under consideration concerning insurance and actually this is applicable to virtually every sort of insurance cover both personal and concerning possessions.

That fact is that insurance policies do not like changing circumstances. They're typically written to supply cover against a variety of specified risks during a defined set of background circumstances. If you modify those circumstances, without discussing them together with your insurance firm beforehand, in some cases you'll unintentionally invalidate your policy.

So, while you're beginning to ask your office removals company believe the subsequent areas and the way changes to them may or might not affect various sorts of your insurance protection:

- Your business is moving to a special location with a special postcode

- Perhaps as a results of that, you're purchasing additional furniture and other equipment thereby increasing overall risk values for your insurance provider.

- Your equipment and other things, like paperwork, could also be in transit and thus not officially located either at your old or new address for a period of your time.

- Your employees, whether at your request or perhaps accidentally, may start to interact in packing and maybe lifting activities to assist with the removal. From an insurance viewpoint, which will rather be considered to be activities that aren't a part of their legitimate 'normal daily duties'.

This list might be extended considerably but hopefully by now the purpose has been made. If you're getting to make significant changes to what your employees are being asked to do, even for a brief period of your time, also as changing the background to what your insurance firm thinks they realize your business operations, then you must ask them beforehand.

Not always a drag

Now if you're worrying that the results of lecture your insurers is nearly inevitably a rise in your premium, then don't fret an excessive amount of.

Some policies may automatically include protect a number of the above issues and in other cases your insurer could also be willing to require it under risk for a brief period of your time for free of charge. The great news is that commercial removals are usually done and dusted within a maximum of a few of working days approximately.

Packing and removals issues

It's perhaps worth saying a selected word or two here concerning the very particular issues which will apply to your employees.

Most professional office movers probably won't allow you and your colleagues to assist load their vehicle. That's mainly as results of their concern for your safety but they'll even have strict insurance constraints of their own, which explicitly prohibit non-removals company employees from standing on or inside the vehicle.

By an equivalent logic, you ought to be very cautious about asking your employees to undertake what could be described as "removals-related" work. For instance, asking them to place files and folders into boxes in an orderly fashion might typically not be an insurance issue. Expecting them to carry an important photocopier downstairs and cargo it onto a billboard vehicle could be something entirely different again. Remember, that applies albeit the individuals concerned are perfectly willing to do so.

Another particular point, which some professional furniture movers could stress, is that packing adequately to guard furniture and equipment from damage on the road isn't as easy because it sounds. So, you ought to consider letting professional packers do this for you. Damage to expensive items that insurance companies believe were inadequately and amateurishly packed could invalidate your protect the things concerned.

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