Up to £5,000 cover limit Applies to portable equipment in transit and temporarily housed elsewhere Covers accidental loss, theft, destruction or damage of portable business equipment including computers, laptops, tablets, mobile phones, events equipment, tools, etc. Can be added to existing policies Have protection in place straight away Other optional extras include, cyber and data protection, employer's liability, personal accident, workplace contents Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' coverOur portable business equipment insurance is specifically designed to cover all types of objects that we would expect practitioners to be using. This would typically include mobile phones, laptops, camera and video equipment, tablets, event and exhibition equipment, tools and more.
These 'portable' items are covered whilst in your office or in transit (provided you sensibly safeguard them, as per the terms)
This will not cover stationary workplace contents such as desks, filing cabinets and fixtures but we provide workplace contents insurance which covers stationary equipment. Please visit Workplace Contents Insurance for further reference.
If you provide a mobile service, attend exhibitions or are otherwise often on the go, then this insurance is for you. It is specifically for loss or damage of items while in transit or in a secured car or storage location.
You may work at one place, and use a lot of portable equipment such as laptops and phones which isn't covered by standard workplace contents insurance. Since it's not unheard of to lose or drop something, it's always nice to know your equipment is covered and you don’t need to worry about your stuff getting damaged.
Our insurance policy covers your business against risks such as theft, loss, destruction and damage.
Computers: Computers and ancillary equipment but excluding data or information entered by you or on your behalf.
Damage/damaged: Accidental loss, theft, destruction or damage.
Electronic data: Facts, concepts and information converted to a form useable for communications, display, distribution, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programs, software and other coded instructions for such equipment.
In transit:
Office: Any location within the territorial limits occupied by you for the purpose of your business.
Portable business equipment: Portable business equipment used in connection with your business which belongs to you or for which you are legally responsible, including:
goods held in trust.
The cover limit available for Portable Business Equipment insurance has been chosen as the most appropriate to meet the needs of our customers.
The costs is:
£2,000 £40 + tax
£5,000 £80 + tax
Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.
Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.
The answer to this question will depend on whether you:
1. want to get a quote for Professional Indemnity, Public Liability and Medical Malpractice policy including Portable Business Equipment cover, or
2. already have an existing policy with us and would like to add Portable Business Equipment cover
Answer 1
We are a fully automated process and provide all the information needed for you to make an informed decision online.
A quotation is available 24/7 online. Click on the ‘Get a Quote’ button. That will take you through the questions necessary to provide a quotation. It shouldn't take more than a few minutes and once produced you have the option to save it for later or proceed direct to purchase.
If you choose to proceed to purchase, we will collect your contact details and then request payment. Payment is by Credit or Debit Card and once authorised your policy is issued immediately. Your documents will be emailed to you for you to print and/or save.
Answer 2
If you would like to see the cost of adding this to your existing policy you can find the details on the Cost tab of the Portable Equipment page. If you start the process of adding this to your policy you will also be shown the price before you confirm you want to go ahead.
To make this change simply login to your account where you can choose the cover level you want, see the cost and proceed to payment. The amended policy documentation will automatically be emailed to you immediately after payment.
Please note that the monthly payment option is not available for this additional purchase for an existing policy.
Again, two options here:
1. If you are obtaining a new insurance policy with Portable Business Equipment add-on, you will be able to choose payment by monthly instalments.
2. If you want to add this cover mid-term, you will be required to pay the whole amount of the add-on product.
The Portable Business Equipment is designed to cover the tools you use in your line of work, such as laptops, mobile phones, camera, video equipment, tools and more but it does not cover the renting out of tools or equipment to your customers.
If you are renting your equipment, you need to make sure the recipients arrange their own cover.
The short answer would be no. Renting your equipment to clients is not included in the portable business equipment cover.
Yes, you can add this additional protection to your existing policy at any time during the period of cover. We refer to this as a 'mid-term' adjustment.
Follow these simple steps:
Please note that the last 6 weeks of the policy are considered the renewal period and you may not make changes through the customer account during this time. Changes can still be made by contacting the office.
Once you have added an additional area of cover to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.
Out of hours messaging service if you need us urgently
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