Office Insurance

Uniquely tailored office insurance cover for any size of office and any type of business.

Our office insurance can cover buildings and contents through business interruption, computer breakdown, legal expenses and your liabilities. With some of our insurers you will also have access to a dedicated risk management service - helping you take the risk out of running your office.

0844 346 0409
01883 724 013 Mon - Thu 8:30am - 6.00pm<br> Fri - 8:30am - 5.30pm
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Office insurance features

  • Accidental damage cover

  • Business interruption

  • Theft

  • Computer breakdown

  • Legal expenses

  • Products liability up to £5 million

  • Employers' liability with a limit of indemnity of £10 million

  • Public liability insurance with a limit of indemnity up to £5 million

  • Up to £15,000 cover for frozen or chilled foods and up to £5,000 for any other perishable goods

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Office insurance exclusions

  • Policy excess as shown in your policy documents

  • Computer inefficacy

  • Breach of professional duty

  • Damage to business files resulting in erasure or distortion of information on computer systems

Exclusions vary depending on the type of cover chosen within your office insurance. 

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Office insurance FAQs

Can you cover my equipment outside of the office?

Yes we are able to offer an "All Risks" section to our office package. This will cover items taken outside of the insured business premises i.e. a laptop used for external meetings.

Do I have to be trading for a number of years to be able to get cover?

No, our range of insurance packages enables us to deliver the right solution for both start ups as well as established businesses.

I work from home, do I still need an office insurance policy?

Yes. You will need to cover your business equipment if this is not covered by your home insurance. You will also need to cover your liabilities resulting from your business activities (this is excluded from most home insurance policies).

Water has leaked into my shop from the flat upstairs. Do I need to advise my own insurers or shall I just claim against the upstairs neighbours?

You should notify your insurers of any damage to your property even if you think someone else may be responsible. Do not assume that just because the damage was caused by someone else that they are legally liable. The law allows for genuine and fortuitous events and also bear in mind that they might not be insured or in a financial position to pay for your damage.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Office insurance claims promise

With Towergate you can be confident that, in the event of the worst happening, your claim will be handled by a dedicated claims team offering the exemplary, fast and efficient service that we expect from our own teams and from our partners.

Simply contact the office claims team using the details within your policy documents, or call us on 0844 892 1384 and we will put you through to the claims team. They will talk with you about your claim, guiding you through your next steps and taking you through the process.

Furthermore, if you feel you need additional support or if you have concerns about the progression of your claim, our in house team are always on hand to help.

Customer Reviews (24)

Our Property Insurance service rated at 79%

Based on 24 independent customer reviews.

DateProductScoreCustomer Comment

Shop Insurance (Renewal)


I am not impressed by your service as a member of the FSB my insurance went up by over 10% despite not having made a claim ever.
I will shop around for a better quote next year.

Hotels & Guesthouse Insurance (Renewal)


This rating could have been better, but I spent about two weeks and many phone calls waiting for my insurance to be reassessed as I thought the increase in my policy was a bit high with there being no claims and no changes from the previous year.
This was no reflection on the staff who I spoke to on the phone as they were very helpful and would rate them as excellent, but they could not get the policy back from the people who make the decisions.
In part me asking for the reassessment caused the delay but was very happy with the final outcome.

Landlords Insurance (New Policy Holder)


V helpful that the person I dealt with emailed me so I could deal with the quote in my own time. V polite and helpful

Landlord Insurance (Renewal)


Each year at renewal you quote an increased price just to see if I will pay it, even though there has been no claim, then when I complain you reduce the price. This shows you will shaft your customer if you can get away with it!

Landlord Insurance (New Business)


I had no problem with the arrangement of the policy but have had to make numerous telephone calls to try and receive the documents. Today, 14th November I spoke to Mikey Barnett-Evans who e-mailed them through to me as he said he would. I will await receipt the documents by post and see whether they transpire.

Landlord Insurance (New Business)


Helpful and swift

Landlord Insurance (New Business)


Representative was knowledgeable in answering my questions and clarifications. Processed was smooth through use of email.

Landlord Insurance (New Business)


Great customer service so far.

Landlord Insurance (New Business)


Very clear and straight forward to choose the cover required thank you

Landlord Insurance (New Business)


'New business' representative responded promptly and offered to phone me to facilitate things.

View all reviews >>

0844 346 0409
01883 724 013 Mon - Thu 8:30am - 6.00pm<br> Fri - 8:30am - 5.30pm
Get a quote Request a callback
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