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Office insurance protects your business from financial loss if your premises, equipment, or staff are affected by theft, damage, or legal claims.

Without it, a single incident could lead to downtime, lost income, or even permanent closure.

Even in low-risk industries, things go wrong. A burst pipe could destroy laptops and paperwork. A fire might make your office unusable for weeks. Or a client visiting the premises could suffer an injury and make a claim against you.

If you employ staff, have customers on site, or store valuable equipment, office insurance isn’t just a good idea—it’s a safety net. Policies can cover everything from rebuilding costs to legal fees, business interruption, and liability claims. Without that cover, you could end up paying out of pocket.

It’s not just about the big disasters either. Smaller events—like a break-in, vandalism, or even a power surge damaging your tech—can disrupt your work and hurt your bottom line. The right commercial property insurance helps you absorb those shocks and get back to business fast.

A typical office insurance policy includes cover for your building, contents, IT equipment, and public or employer liability—protecting you against damage, loss, or claims that could disrupt your business.

It’s designed to safeguard the core elements that keep your operations running. Here’s what’s commonly included:

• Buildings insurance – If you own the premises, this covers damage from fire, flooding, storms, or vandalism.
• Contents insurance – Covers desks, chairs, computers, servers, and other physical items in your workspace.
• Business equipment cover – Additional protection for laptops, tablets, specialist machinery, or portable electronics.
• Public liability insurance – Protects you if a client, visitor, or third party is injured on your premises.
• Employers’ liability insurance – Legally required if you have staff. Covers injury or illness claims from employees.
• Business interruption cover – Helps cover loss of income if you can’t trade due to an insured event (e.g. fire or major damage).

Most insurers will let you tailor your policy based on what matters most. For example, if your office holds sensitive client documents or high-spec hardware, those can be covered under specific add-ons or declared higher limits.

Office insurance doesn’t cover every scenario—especially if the risk isn’t declared, the item isn’t specified, or the damage falls outside the scope of the policy.

Knowing what’s not included can be just as important as knowing what is. Here are some common exclusions:

• Wear and tear – Gradual damage to furniture, flooring, or equipment isn’t covered. Insurance deals with the unexpected, not maintenance.
• Undisclosed high-value items – If you don’t declare expensive electronics or specialist equipment separately, they may not be fully insured.
• Cyber attacks or data breaches – These typically require separate cyber insurance, even if you store sensitive information digitally.
• Negligence or improper use – Damage caused by staff misuse or failure to secure the premises might lead to a denied claim.
• Unoccupied offices – If your premises are vacant for a prolonged period, certain protections may lapse unless your insurer is informed.

Not every policy is identical, but these exclusions are fairly standard. If your business relies on niche tools, data-heavy processes, or has unique risks, always check the fine print or speak to a broker before assuming you’re fully protected.