Compare Office Insurance

What Is Office Insurance?

Office insurance is business insurance designed around office-based risks, including equipment, contents, liability and business interruption.

Types of Office Insurance Cover

• Office contents — Furniture, computers, phones, printers and equipment.
• Public liability — Cover if a visitor or third party makes a claim.
• Employers liability — Usually required if you employ staff, subject to legal exemptions.
• Business interruption — Can help with lost income after certain insured events.

What Can Affect Office Insurance Prices?

Providers can consider different details when calculating quotes. The most relevant factors often include:

• Business type — Agencies, accountants, solicitors and call centres may differ.
• Premises — Size, location, occupancy and security.
• Equipment value — High-value IT and specialist equipment may need higher limits.
• Staff numbers — Employers liability depends on whether you employ people.
• Client visits — Visitor footfall can affect liability needs.

Tips for Comparing Office Insurance

• Calculate the replacement value of computers, furniture and equipment.
• Check whether portable equipment is covered away from the office.
• Consider professional indemnity separately if you provide advice.
• Review business interruption limits carefully.

Office Insurance FAQs

Do home offices need office insurance?

A home-based business may need specialist cover because home insurance may not cover business equipment or liability.

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Is employers liability included?

It may be included or added, but you should check if you employ staff.

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Does it include professional indemnity?

Not always. Professional indemnity is often separate.

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Related Insurance Pages

• Professional Indemnity Insurance
• Public Liability Insurance
• Shop Insurance