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.
Getting add on cover such as, Portable Equipment is quick and easy, whether you're getting a new policy or adding cover to an existing one.
1. On a New Policy?
- Get an instant quote by clicking ‘Get a Quote’.
- Answer a few quick questions—it only takes a few minutes.
- Include Portable Equipment Cover
- Save your quote for later or proceed to purchase.
- Pay securely by credit or debit card and receive your policy documents immediately via email.
2. Adding to an Existing Policy?
- Log in to your account and go to 'Your Policy' section.
- Next to Portable Equipment, click add.
- See the cost before confirming.
- Choose your cover level, pay, and receive your updated policy documents instantly.
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
The short answer would be no. Renting your equipment to clients is not included in the portable business equipment cover.
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.
Portable Equipment cover is an add on coverage. Once you have added an additional area of cover, such as Portable Equipment 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.