Office insurance

Q: Do I need office insurance?

Having office insurance means you can be covered for unexpected legal costs or repair fees, for example, for things such as equipment within the office, employee injury, as well as maintenance and rebuilding of the property following events such as a break-in, theft, fire or flood. Find out more about office insurance here.

Q: Do I need buildings insurance for my office?

If you own your premises, buildings insurance could be a consideration for you. If you rent your business premises you may still be required to have your own buildings insurance policy in place, so it’s worth checking the terms of your lease to find out if that’s the case. This can often be bundled with contents insurance. So if you need it, we can help find policy options for your business. Get in touch with us to discuss your options.

Q: What is tenants’ improvement insurance?

This insurance covers any permanent additions or lasting changes that are made to a building by a tenant, usually at their own expense. Things like alterations to wall layouts, installing air conditioning, or other physical changes. Tenants’ improvement insurance can cover these changes made to the building as they won’t necessarily be covered by the owner or landlord of the property.

Protect your office space and compare prices from £4.74 a month*

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is office insurance?

Whether you run a small business, operate from an office space, or work from home, having the right office insurance could be vital for safeguarding your operations. You can compare flexible business insurance for offices that can protect you from a range of risks, from accidental damage to liability claims, ensuring that you can focus on growing your business with peace of mind.

Office insurance is designed to protect the essential components of your business, including your office space, equipment, and staff. It may cover a variety of risks such as fire, flood, or theft, and can help reduce financial strain if something unexpected happens. With tailored office business insurance, your company could be protected from disruptions, giving you the confidence to keep your business running smoothly.

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We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

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What does office insurance cover?

Office insurance policies are designed to provide a range of essential protections, including but not limited to:

Contents & equipment cover

Protect your office equipment, such as computers, furniture, and other essentials, from accidental damage or theft. This cover could ensure that if something happens, you can repair or replace key items quickly to avoid business disruption.

Buildings insurance

This can cover damage to your office space caused by events such as fire, flood, or vandalism. Whether you own or lease your office, protecting the physical structure could be important to safeguarding your business premises.

Loss of income cover

If your office becomes unusable due to an insured event, such as a fire or flood, loss of income cover could help protect your revenue, ensuring that your business remains financially stable during the downtime.

Public liability insurance

If a visitor or member of the public is injured on your business premises, or their property is damaged, public liability insurance may help cover legal fees and compensation claims.

Professional indemnity insurance

This cover could protect your business if a client claims you provided inadequate advice or services. It may cover legal expenses and compensation, helping you protect your reputation and business.

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Compare office insurance

Office business insurance can protect your business from a wide range of risks, from accidental damage to liability claims. Whether you're looking for basic coverage or comprehensive protection, You can find the right insurance to fit your needs. Get a personalised office insurance quote today and safeguard your business against the unexpected.

Compare quotes from leading insurers, all in one place
Prices from £4.74 a month^*
In partnership with Simply Business

*The price is for up to £2 million of public liability insurance – 10% of customers paid £4.74 or less annually between 1st Jan - 31st May 2024. Equivalent to £56.82 a year (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available and these all have additional costs.

Office insurance FAQ's

If you have a question about your office insurance, you might find the answer here in our FAQs.

Do I need office insurance?

Do I need buildings insurance for my office?

What is tenants’ improvement insurance?

For more information on protecting your business, check out our FAQ's Hub

Additional information on office insurance

How much does office insurance cost?

The cost of office insurance depends on your business size, equipment value, and required cover. To understand your costs, get an office insurance quote tailored to your specific business needs. Customising your cover could help you avoid unnecessary expenses while ensuring the right level of protection.

Office insurance for businesses that work from home

If you work from home, you might assume home insurance covers your business activities, but it may not be enough. Office business insurance for home-based businesses could provide extra protection for your equipment, client visits, and risks not covered by standard home insurance.

Why would you need office insurance?

Every business faces unique risks, whether you're a sole trader, run a small business, or manage a larger operation. Office business insurance could protect you from financial setbacks. From buildings insurance covering property damage to public liability insurance for third-party claims, comprehensive coverage may help avoid costly expenses.

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Safeguard your business from financial risks including property and equipment damage, business interruptions, public liability and much more.

Select your cover options
Compare from leading insurers
Buy online in minutes

What is office insurance?