Office Insurance

Provides protection if your business activities kill or injure a member of the public who is visiting your premises. As the owner of your business, making sure that your office is as risk-free as possible is your responsibility, but if the worst should happen and an accident occurs then public liability insurance will ensure you’re covered for any compensation claims.

This is a legal requirement if you employ any member of staff (including permanent, temporary, contractors or freelancers). The minimum level of protection is £5m, which will cover the cost of compensation claims if they get injured or ill whilst working in your office.

Provides cover for financial losses if your business can’t operate from its premises as normal as a result of a fire, major theft or a flood.

Do you own your own office premises? If so, you’ll need to arrange for cover in the event of flooding, fire, bad weather or theft. This type of policy covers permanent fixtures such as toilets, kitchens, display units and built-in cupboards, and you’ll be able to claim for a total rebuild as well as repairs.

This insurance provides cover for the contents of your office, such as chairs, desks, computers and any other office equipment. Office contents insurance will provide cover for any damage or theft, and it’s important to ensure that you have calculated the total cost of this correctly – if the worst were to happen and you have under-insured, you could be left out of pocket.

Provides cover for the things that your business needs to operate, such as computers, mechanical equipment, tools, machines and stock.

Provides cover against data breaches or cyber hacks that affect your computer systems and networks.

Provides cover in the event that your stock is damaged or stolen from your office.

If you take payments in cash or your business deals in cash, then you may want added protection in case of theft from you, anyone working for you or your premises. In addition, this type of insurance will also cover money that is in transit during your office hours or that is left locked in your office overnight.

If your business operates from a specific premises or office, it’s important to have the correct cover in place to protect your operations. In the event of a claim being made against you as a result of an accident that has occurred at your office, or damage occurring to the equipment that you need to operate, would your business be able to take the financial hit? Would you be able to continue operating?

We understand that cost is important to your business, but it is crucial to ensure that you are properly protected in line with the risks your business faces. With that in mind, we will take the time to understand the specific needs of your business and recommend the amount of cover that is best suited to you.

An office insurance policy can also provide cover for accidental damage (for example to signage or glass), the personal property of employees or visitors to your premises, and any portable equipment that is taken away from the office such as laptops, cameras, tablets or mobile phones.

In addition, if you are a contractor or freelancer who works in a shared office/hot desk space, then you should check whether your personal possessions will be covered under the landlord/building owner’s buildings and contents insurance or public liability insurance.

We have a team of specialist advisers ready to help you get the right protection in place for your business. We will take the time to understand the specific needs of your business and are committed to delivering a completely personalised service, ensuring that you have the best possible cover at the best possible price.