Essential Protection for Your Office Operations
Your office is the command centre of your business. It contains valuable equipment, critical data, important records, and the infrastructure that keeps operations running. If disaster strikes—fire, flood, theft, or damage—the financial impact can be devastating without proper protection.
Office insurance provides comprehensive protection for your building, contents, equipment, and business continuity. Whether you own the property or lease it, our tailored office insurance ensures that if something goes wrong, your business can recover quickly and continue operating with minimal disruption. We work with leading insurers to ensure you have appropriate coverage limits for your specific office environment and risk profile.
What's Covered
- Building & contents: Building structure, walls, fixtures and all contents housed within your office space
- Office equipment & furniture: Desks, chairs, cabinets, filing systems, and all office furnishings
- IT equipment & electronics: Computers, servers, networking equipment, printers, phones and all technology infrastructure
- Business interruption: Loss of income if your office becomes unusable and operations must cease temporarily
- Liability for visitors and employees: Coverage for injuries to employees, visitors, and members of the public on your premises
What's Not Covered
It's important to understand what your office insurance doesn't cover. Standard policies have specific exclusions to focus on genuine insurable risks and unexpected events.
Normal wear & tear: Gradual deterioration, fading, or aging of office materials and furnishings
Unoccupied offices beyond certain periods: Coverage may be restricted if premises remain unoccupied for extended periods
Structural defects: Claims arising from faulty design, workmanship, or structural failures
Routine maintenance: Regular maintenance, repairs and upkeep required as part of normal property management
Pre-existing issues: Damage or conditions that existed before the policy commenced
Specialist Coverage Options
Office insurance needs vary depending on your office type, location, number of staff, and specific operational requirements. We offer flexible coverage options tailored to your specific needs and risk exposure.
All risks cover provides comprehensive protection for all items within your office, while specified items cover focuses on particular valuable assets. Portable office equipment protection extends coverage to laptops, tablets, mobile devices and other portable technology taken outside the office. Cyber & data breach liability protects against financial losses from cyber attacks, data breaches and information security incidents. Legal expenses coverage ensures you have professional legal support for any disputes or claims. Our specialists will work with you to identify the optional covers most relevant to your specific office operations, ensuring you have comprehensive protection against the risks your business faces.
Office Types We Cover
Office insurance requirements vary depending on the type of office environment and operational structure. We work with all office types to ensure appropriate protection for your specific workspace.
Workspace Types We Protect
Corporate Headquarters & Office Buildings
Protection for large corporate office buildings, multi-story facilities, and established headquarters housing significant operations and multiple departments.
Shared & Co-Working Spaces
Coverage for co-working facilities, shared office spaces, and flexible workspace environments serving multiple tenants and businesses.
Serviced & Managed Offices
Protection for serviced office suites, managed office facilities, and fully equipped office spaces with support services and shared amenities.
Remote & Hybrid Workspaces / Home Offices
Coverage for home offices, remote working spaces, and hybrid work environments protecting both office premises and portable equipment.
Risk Management & Workplace Safety
Effective office insurance protection goes beyond coverage. We help you prevent claims before they happen through proactive risk management and expert guidance tailored to modern workplace environments.
Our risk management service includes implementing security measures to protect your office from theft and unauthorized access, establishing cyber security best practices to safeguard data and IT systems, developing remote working risk management strategies for hybrid and home-based teams, and ensuring health & safety compliance throughout your office environment. We provide guidance on access controls, CCTV monitoring, data encryption, backup systems, employee security protocols, equipment management, and compliance with workplace regulations. When claims do occur, we provide comprehensive support, working with claims experts to investigate thoroughly, manage the claims process efficiently, and negotiate fair settlements. By combining expert insurance protection with proactive prevention, we help your office stay protected and operate securely. Office insurance is essential protection for your business continuity, and we ensure you have appropriate coverage with expert support throughout your insurance journey.