Small offices
Small offices and service firms
Small offices, agencies, and service firms should not assume low physical risk means no meaningful insurance questions.
Risk signals
Common discussion points
- Client visits and premises liability
- Laptops, office equipment, and portable devices
- Cyber, privacy, and email fraud exposure
- Lease obligations and landlord requirements
- Revenue reliance on key staff or systems
Covers often discussed
Potential cover areas
- Public liability
- Office contents and portable equipment
- Business interruption
- Cyber discussions
- Professional indemnity where advice or design is provided
Questions for the adviser
Bring these into the conversation
- Do clients visit the office or do staff work from home?
- What equipment is portable or used away from premises?
- Do you store personal or commercially sensitive data?
- What would stop the business from operating for a week?
Preparation tips
Before the meeting
- Prepare lease, equipment, and remote work information.
- List systems and data the business relies on.
- Clarify whether the firm provides advice or professional services.
Prepare your risk context before the adviser conversation.
iCura helps organise the facts, questions, and renewal signals that make insurance advice more practical.