Office Insurance

Our office insurance can be tailored to suit all sizes and forms of office business. We cover office contents, fixtures/ fittings, computer and electronic equipment and loss of income, and offer public/employers liability insurance. We can additionally include professional indemnity and cyber liability insurance.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5pm

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About Office Insurance

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Office insurance for your needs

Commercial office insurance tailored for a modern world. If you are visiting clients for service or sales away from your office protect your laptops, loss of data and test equipment anywhere in the UK. Tell us the cover you need

Building

Cover for a range of office types

Office cover for: general admin, sales, design, legal, technical, consultancy, call centre, service, professional, education, VSME, SME & larger offices

Group

Legal cover for your commercial premises

Commercial office legal expenses cover available, support by 24 hour legal helpline

Direct Debit

Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit

Features of Office Insurance

Standard cover

Business interruption cover for your office

If you are unable to use your office after a fire or flood claim during the repair period, the Loss of Income cover under an Office policy will help pay your continuing overheads such as rent and salaries. If you just want to cover the basic increased cost of working to keep your business alive, whilst problems are resolved, then we can tailor this cover for you. You can choose standard loss of income insurance or restrict to increased costs of working only. You can buy online or speak directly to us for a personal service tailored to suit your needs.

Office contents insurance

Office Contents insurance covers accidental loss or damage to desks/chairs, copiers, stationery, phone systems, printers, laptops & other computer equipment. (excluding normal wear and tear). Insure the total new replacement value of all contents, as cover is on a new’ for old’ basis. Office insurance can be extended to cover business equipment and laptops away from the office. Computers can also be covered for accidental loss of data and reinstatement of data cost, Please let the team know if this specialist cover is something you require.

Professional indemnity cover

If you're in a business that gives advice then you may want to consider adding professional indemnity cover. Professional indemnity insurance provides legal costs to help you to defend claims made against you for wrongful advice or errors and omissions in connection with your professional services. Ultimately it will pay back legal expenses and the compensation you may have to pay should your client’s claim be upheld in court.

Office liability insurance

If you employ staff, employers' liability is a legal requirement that can easily be built into your office insurance policy. Public liability is a standard feature of a package office policy. This protects you for claims made against you by clients, visitors or members of the public who have been injured or had their property damaged due to negligence of your business activities.

Office Insurance FAQs

Question

Can you cover my equipment outside of the office?

Answer

Yes, we are able to offer an "All Risks" extension to your office package for items taken away from your office i.e. laptops and other equipment used for external trips & meetings. This will normally be anywhere in the UK but we can always extend this if you travel further afield.

Question

Can you cover the building as well as the business?

Answer

This is only necessary if you own the property, otherwise your landlord is likely to cover this as part of their own insurance policy. If you do own the property, we can help you find buildings insurance as part of your overall office package policy. Check your lease for any insurance clauses.

Question

Can you cover money kept on the premises?

Answer

An office contents policy will normally cover set amount of money on the premises during business hours, with reduced limits overnight unless you have a safe. Depending on the amounts involved there may be terms applied, we will discuss these when arranging cover.

Question

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

Answer

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

Question

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

Answer

It depends on your circumstances. With many people now working from home, the insurance market is offering a range of solutions. Speak to us and we will advise you on the most suitable options for you.

You should not assume anything, always check as business equipment is not covered by your home insurance as standard. Importantly, you will also need to cover your liabilities for your business activities – public and employers liability cover professional indemnity. All of these will be excluded from most home insurance policies.

Question

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

Answer

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, which will cause you delays and interrupt your trading.

Question

Can I pay in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more

Question

Where can I find more information about monthly Direct Debit?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim