In message , at 12:24:37 on Thu, 7
Jun 2012, Duncan Wood remarked:
Injury to Visitors - Public liability
Damage or loss of office equipment - Office insurance
Injury to you or staff - Personal accident

Other risks to consider:

Legal costs - Legal expenses
Hackers and Viruses - E-risks
Business disruption - Business Interruption

To suggest the "Public Liability" insurance more than scratches the
surface of what's required, is frankly very poor advice.

That list doesn't mention damaging other peoples property.

Perhaps they don't offer that?

You can ask them, every other insurance policy I've had does.

Every other *what* policy? It's not covered in a mobile phone theft
policy, for example.
--
Roland Perry