Office package insurance
A package for offices and professional practices: the premises and their interiors, computers and equipment, money, and liability to visitors and staff, in one policy.
What it covers
Cover varies between insurers and plans. The policy wording is what decides whether a claim is payable, so read it before you buy.
- Office premises, interiors, furniture and fixtures against fire and allied perils
- Computers, servers and electronic equipment, including breakdown where that section is taken
- Burglary and theft of office contents
- Money in the office and in transit
- Public liability for visitors, and liability to employees for work-related injury
- Plate glass, signage and portable equipment taken off the premises, where those sections are included
Key features
- Sections chosen to fit an office rather than a factory
- Electronic equipment can be covered for breakdown as well as for fire and theft
- Portable equipment cover for laptops taken outside, where that section is added
- Interiors and fit-out insured at cost, which tenants often overlook
- Professional indemnity and cyber cover are separate policies, not part of this package
- Values at risk within the insurer's limits for the product: [SUM INSURED RANGE]
How to buy it
Four steps, with an advisor you can reach at any of them.
Tell us about the risk
Tell us the office address and area, the value of interiors, equipment and contents, and what your lease requires.
Underwriting details
An advisor collects the information insurers need to price the risk, and flags anything missing.
Compare quotes
We ask our partner insurers to quote, and put the cover, conditions and premium side by side.
Proposal & policy
Pick a quote, complete the proposal form and KYC, and the insurer issues the policy.
Office package insurance: FAQs
I rent my office. What should I insure?
Your interiors and fit-out, contents, equipment and stock, plus your liability. The building is the landlord's, though your lease may put the fit-out squarely on you.
Are laptops covered outside the office?
Only with a portable equipment or all-risk section that says so. A standard office package covers property at the insured premises.
Does it cover a data breach or a cyber attack?
No. Cyber loss, data breach and business email fraud are covered by a cyber policy, and claims of professional negligence by professional indemnity.
Does it include staff health cover?
No. This is a property and liability package. Staff health and accident benefits are group health and group personal accident policies.