What is office insurance?

A package of covers for a business that works from office premises, written as one commercial combined policy: contents and equipment, buildings where you are responsible for them, public and employers liability, and business interruption, with professional indemnity, money, glass and legal expenses added where the work needs them. Each section carries its own sum insured and the premium is built from them.

What insurance do I need for an office?

Employers liability is the only cover the law requires, from the first employee. After that: contents and equipment cover, public liability for clients and visitors which most leases require, business interruption, buildings insurance only if you own the freehold or your lease makes you responsible, and professional indemnity if you give advice for a fee. On a multi-tenant lease the landlord normally insures the building and recharges the premium.

Does office insurance cover contents and equipment?

Yes; office contents insurance is the core section of the policy. It covers furniture, fixtures and fittings, tenant improvements, computers and phones, and stock or documents against fire, flood, storm, escape of water, theft and, if added, accidental damage. Set the sum insured at replacement-as-new value; underinsurance is reduced pro rata. Laptops used away from the office need a portable equipment extension.

Do I need office insurance if I work from home?

You need some of it, and not from your home policy. A household policy covers clerical work at home but excludes business equipment above a small limit, visitors on business, stock and liability arising from the work. A home-office policy or a small commercial combined policy covers the business equipment, public liability for visiting clients, professional indemnity if you advise, and employers liability if anyone works with you. Tell your home insurer either way.

Office Insurance: A Complete UK Guide

Office insurance covers the specific risks faced by businesses operating from office premises, including buildings, contents, public liability, and business interruption.

Cover is subject to underwriting, insurer terms and acceptance. Policy limits and exclusions apply.