Office
Insurance

What is Office Insurance?

Office Insurance provides essential protection for office spaces, covering risks such as fire, flood, theft, and business interruption. Whether you own or lease an office, this insurance ensures your workspace, equipment, and operations are safeguarded against unexpected events.

For business owners, office tenants, landlords, and professionals, Office Insurance is crucial for maintaining business continuity and financial security.

Who Needs Office Insurance?

Any business operating from an office space should have Office Insurance in place. This includes:

• Office-Based Businesses – Protection for offices against fire, theft, flood, and accidental damage.
• Landlords of Office Buildings – Cover for structural damage, loss of rent, and landlord liabilities.
• Office Tenants – Cover for leasehold improvements, fixtures, and business equipment.
• Consultancies & Professional Services – Insurance for firms such as legal, financial, and IT businesses operating from office spaces.
• Remote & Hybrid Workspaces – Protection for businesses using shared office spaces or co-working environments.

Why is Office Insurance Important?

Office spaces are vulnerable to risks such as fires, floods, break-ins, and equipment damage. Without proper cover, businesses may struggle with repair costs, lost assets, or operational downtime.

Common risks that Office Insurance protects against include:

• Fire & Smoke Damage – Covers office buildings, fixtures, and equipment against fire-related damage.
• Flood & Water Damage – Protection against burst pipes, storms, and other water-related incidents.
• Theft & Vandalism – Covers stolen or damaged office equipment, furniture, and fittings.
• Accidental Damage – Protection for office interiors, fixtures, and electronic devices.
• Business Interruption – Covers lost income if your office becomes unusable due to an insured event.

What’s Covered in Office Insurance?

Office Insurance policies typically include:

• Office Building & Contents Cover – Protects the premises, fixtures, and office equipment.
• Rebuilding & Repair Costs – Covers structural repairs or full reconstruction if the office is severely damaged.
• Business Equipment Cover – Protection for computers, printers, furniture, and other essential office assets.
• Loss of Rent – Compensation for landlords if tenants cannot occupy the office due to damage.
• Alternative Office Space – Covers the cost of temporary office relocation if your workspace is unusable.

What’s Not Covered?

• Wear and tear or gradual deterioration.
• Damage due to lack of maintenance.
• Intentional damage or negligence.
• Losses from unoccupied offices (unless specified in the policy).

Additional Cover You May Need

Depending on your business operations, you may need additional cover such as:

• Business Contents Insurance – Protects office equipment such as laptops, servers, and IT systems.
• Public Liability Insurance – Covers injury or property damage claims from office visitors.
• Employers’ Liability Insurance – Required if you employ staff, covering workplace injuries.
• Business Interruption Insurance – Covers loss of income if your office becomes unusable.

At Insurably, we have access to hundreds of insurer markets, ensuring we can find the right Office Insurance policy tailored to your needs.

Start your quote online today, and let us match you with the best insurer to protect your office and business operations.