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Portable Equipment Insurance

Ideal cover for professionals who work on the move

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Portable equipment insurance can protect those professionals who work on the move and carry their office in their laptop bag. This can include valuable items of technology such as your laptop, tablet, smartphone, cables, removable storage devices and cameras.

Claims for misplaced or stolen equipment such as these are commonplace, yet without the correct insurance the cost of replacing these items (not to mention the work stored on them) could run into thousands of pounds.

 

Keeping your business running

If you’re self-employed and working as a freelancer or contractor, losing your portable equipment could cause your business to come to an abrupt stop.

Portable equipment insurance becomes even more important if you undertake location-based projects such as: filming abroad or working as an offshore energy contractor on an oil rig.

As an example, imagine being a photographer who is contracted to document life on an offshore oil platform and accidentally losing your camera overboard to the watery depths.

Click here for a quick online business insurance quote

 

Mitigating your risk exposure

Losing your portable equipment could also expose you to other risks such as a professional indemnity claim. If, as a result of losing your portable equipment and the work stored on it, you miss a client’s deadline and that causes your client to lose money, then you could fall fowl of a PI claim.

Caunce O’Hara’s portable equipment insurance can help get you back on track very quickly, which can minimise downtime and provide you with the peace of mind that you can still meet your project deadlines.

 

Check your business insurance policies to see if you are fully covered

Not all business insurance policies provide full cover for your portable equipment as part of the policy.

If you work from home, your home insurance policy may not cover your business equipment either.

This can represent a big problem, when it comes to making a claim for business professionals who work in co-working spaces, or who need to travel with their work, or who are located in vulnerable areas such as those at risk of flash floods.

Click here for a quick online business insurance quote

 

At Caunce O’Hara we offer equipment cover as standard as part of our Business Combined Liabilities insurance. From as little as £112 per annum, you can benefit from £5000 office equipment cover, plus a further £1000 of insurance for your portable items (which can be extended up to £5,000), including mobile phones and cameras.

Call our friendly award-winning team today on 0333 321 1403 for details and a quote.

Portable Equipment Insurance

What items are covered?

This insurance will cover your Portable Electronic Equipment when working away from your own premises or based at a client’s site. The insurance will cover accidental physical loss (including theft) or damage. You can also choose whether this cover is within the UK, Europe or Worldwide.

Examples of types of equipment covered include:

  • Digital cameras
  • Hand-held mobile technology
  • Hardware and tools
  • Laptops
  • Mobile phones
  • Projectors
  • Printers
  • Video cameras and equipment

Level of cover available
The policy provides cover for electronic portable equipment from £1,000 up to a limit of £5,000 and is subject to an excess of £100 which means that you will pay the first £100 of any claim. In respect of mobile phones, the policy excess increases to £250 for each claim.

To take advantage of this vital type of business insurance and ensure your mobile tech is covered, call our award-winning team today for a quote on 0333 321 1403

 


Our business insurance policies include:

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online small business insurance quote

Complete your cover

Make sure your business is completely protected. We can also cover you for:

  • Professional Indemnity Insurance

    Professionals should have confidence in their work, but we all know that mistakes can happen. Don’t let those mistakes ruin your freelance career with the support of comprehensive professional indemnity insurance. We offer nine choices of cover from £50,000 to £5m to protect you if a claim is made against you for a mistake that happened as a result of your work which caused your client a financial loss.
    Click here for a quick quote

  • Business Combined Insurance

    In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:

    • Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
    • Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
    • Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
    • Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.

    Click here for a quick quote

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
    IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
    Click here for a quick quote

  • Public Liability Insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
    Click here for a quick quote

  • Personal Accident, Sickness & Travel Insurance

    24 hours a day protection (not just while you’re at work) to cover you in case of a work accident or sickness caused by your work. Prices start from only £36.44 a month for £50,000 of cover.
    Click here for a quick quote

Benefits

  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
4.8/5 4.85/5
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
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