Contents, equipment and liability cover for offices, protecting the IT, furniture and data your business runs on.
Contents, equipment and liability cover for offices, protecting the IT, furniture and data your business runs on.
IT equipmentVisitor liabilityCyber cover
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Office insurance is a package of covers built around working from a commercial workspace, contents and equipment cover for your IT and furniture, public liability for visitors, and employers’ liability for your team.
Most office policies are contents-led. If you rent, your landlord insures the building itself, everything inside it is your responsibility.
Office insurance can include:
Office contents & furnitureIT and computer equipmentPublic liabilityBusiness interruptionCyber insurancePortable equipment cover
Employers’ liability is legally required once you employ anyone. Beyond that, office cover is driven by what your contents are worth and what your lease requires.
You should seriously consider cover if you:
Employ staff at an officeRent or own commercial premisesHave visitors or clients on siteHold client or customer dataWork from a serviced or shared officeHave a lease requiring insuranceNo. Your landlord insures the building, the structure, roof and common parts. Everything you bring inside it, from desks and monitors to servers and stock, is your responsibility to insure.
Most commercial leases also require tenants to hold public liability cover, so it’s worth checking what yours specifies.
You’ll usually need your own cover for:
Desks, chairs and furnitureComputers, servers and ITTenant’s improvements and fit-outPortable equipment taken off-siteStock or samples held at the office
Who insures what in a rented office?
Who insures what in a rented office?
Responsibility splits between landlord and tenant, and most disputes come from assuming the other party has it covered.
Responsibility splits between landlord and tenant, and most disputes come from assuming the other party has it covered.
| What’s at risk | Usually insured by | What to know |
|---|---|---|
The building structure | The landlord | Usually recharged to you through the service charge |
Office contents and IT | You, the tenant | Everything you bring in is yours to insure |
Tenant’s fit-out and improvements | You, the tenant | Partitions and flooring you installed aren’t the landlord’s |
Injury to a visitor | You, the tenant | Most leases require tenants to hold public liability |
Top Tip
Read the insurance clause in your lease before renewal. It usually specifies a minimum public liability limit, and some leases require you to insure tenant’s improvements the landlord has no interest in.
What could go wrong at an office?
What could go wrong at an office?
Most office claims come from theft of IT equipment, an escape of water damaging contents, a visitor injured on site, or a cyber incident involving client data.
Most office claims come from theft of IT equipment, an escape of water damaging contents, a visitor injured on site, or a cyber incident involving client data.
Laptops, monitors and servers are the first things taken in an office burglary.
Once you’re covered we’ll send your documents the same day. Landlords and managing agents often ask for proof of public liability before or during a lease.
If you employ anyone, your employers’ liability certificate must be displayed where staff can see it.
Your certificate typically shows:
Your business nameYour insurer’s namePolicy numberPolicy start and renewal datesAny specific conditions
Cover often bought alongside office insurance
Cover often bought alongside office insurance
Office policies are contents-led, but most businesses add liability cover for visitors and staff, plus cyber protection for the data they hold.
Office policies are contents-led, but most businesses add liability cover for visitors and staff, plus cyber protection for the data they hold.
RecommendedBusiness Contents
Covers the desks, furniture, IT and fit-out inside your office.
RecommendedEmployers’ Liability
A legal requirement once you employ anyone, even part-time office staff.
OptionalPublic Liability
Covers injury or damage claims from clients, couriers and visitors on site.
OptionalCyber Insurance
Helps with the costs of a breach involving client or employee data.
OptionalBusiness Interruption
Helps with lost income and the cost of temporary premises after an insured event.
PopularCommercial Combined
Bundle public liability with your other covers into one policy and one renewal date.
There’s no fixed price. The value of your contents is the main driver, IT-heavy offices cost more to cover than a few desks and chairs.
Value of your contents
Servers, laptops and specialist equipment raise your sum insured.
Claims history
A clean claims record helps keep premiums down at renewal.
Number of employees
More staff means more employers’ liability exposure, the one cover you must hold.
Whether you hold client data
Handling personal or financial data affects your cyber cover needs.
Location and security
Alarms, access control and the area you trade in all affect theft risk.
Size of your premises
Larger offices and multiple floors increase your contents exposure.
How to get office insurance
How to get office insurance
Getting office insurance takes four steps: tell us about your office, set your contents sum insured, compare specialist insurers, then get covered, often the same day.
Getting office insurance takes four steps: tell us about your office, set your contents sum insured, compare specialist insurers, then get covered, often the same day.
Tell us about your office
Your premises, contents value and whether you employ anyone.
Choose your covers
Contents, liability, cyber and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and get your documents
Receive your certificates, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Office insurance guides
Office insurance guides
Practical advice on leases, contents cover and staying protected.
Practical advice on leases, contents cover and staying protected.
Small Business Office Insurance: Tailored Cover for Startups, Agencies & Consultancies
Small businesses, including startups, agencies, and consultancies, often rely on their office space, equipment, and daily operations to deliver services efficiently. Protecting these assets and managing potential risks can be essential to the success and stability of a growing business.
Office Insurance Add-Ons: Cyber, Business Interruption & Legal Expenses Explained
Office-based businesses often face risks that extend beyond the physical workspace. While standard office insurance can offer essential protection for contents and equipment, additional cover options may help provide more comprehensive security.
Office Contents & Equipment Cover: Protect Your Desks, PCs & Furniture
Offices are typically filled with valuable contents and specialist equipment essential for day-to-day operations. Damage, theft, or accidental loss can disrupt business activity and lead to significant financial challenges. Office contents and equipment cover can help protect the physical assets that form the backbone of office-based businesses.
Office insurance FAQs
Office insurance FAQs
Straight answers on contents, leases and what your landlord covers.
Straight answers on contents, leases and what your landlord covers.
Office insurance is a package of covers built around a commercial workspace: contents and equipment cover for IT and furniture, public liability for visitors, and employers’ liability for your team.
Still have questions?
Our advisers are here to help you find the right solution.
