Moved Offices? Your Insurance Needs More Than a New Address

The lease is signed, laptops are moved and the website has the new address. Insurance is easy to leave on the old premises until renewal. That gap can matter because a location is more than a line on the schedule.

A new building changes the physical and operational facts the insurer understood when the policy began.

Walk through the new risk

Record construction, floor, access control, fire detection, sprinklers, neighbouring occupancies, backup power and storage. Check landlord responsibilities against your own lease obligations.

• Update the insured address before moving assets.
• Revalue furniture, fit-outs, electronics and stock.
• Review burglary protections and key control.
• Test evacuation and emergency contacts.

Remember the moving period

For a time, property may sit at both offices or travel between them. Contractors may be installing cabling and interiors while employees start work. Discuss the transition instead of assuming the annual office policy automatically stretches across it.

Update business interruption and electronic equipment information once the final setup is known.

The practical takeaway

Add insurance to the move plan beside IT, security and facilities. It is much easier to agree the right arrangement before the first truck is loaded.

Coverage, exclusions, limits and claim requirements vary by insurer and policy. Read the customer information sheet and policy wording before you buy or renew.