Office Insurance for Small Business Premises

Offices hold computers, files and equipment, and they welcome clients and couriers through the door each week. We have partnered with Lukango on a business insurance product for offices in Great Britain. Cover is subject to the Policy Schedule, terms, conditions, exclusions and limits.
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Office Business Cover Explained

  • For office based businesses in Great Britain, where the trade appears on the accepted occupancy list.

  • Only the sections shown as selected in your Policy Schedule apply, subject to terms, exclusions and limits.

  • Office contents are easy to under-insure, because equipment is replaced gradually rather than all at once.

  • This product does not include professional indemnity, so advice related claims are not covered by it.

Retail Insurance for Offices: What Cover Can Include

The Lukango business insurance product can include property damage, public and products liability, business interruption following insured damage, money and assault, and goods in transit. For an office that usually means the premises and their contents, the computers and equipment used day to day, liability to visitors on site and the turnover lost if the office cannot be used. Each section is subject to eligibility, terms, conditions, exclusions, excesses, limits and sub-limits.

Buildings
Contents
Equipment
Injury
Theft

Property damage

May cover insured damage to buildings, contents and office equipment at the named premises.

Public and products liability

Can help with certain legal liabilities for third-party injury or damage at your office.

Business interruption

May cover loss of turnover following insured damage that interrupts trading at the premises.

Money and assault

Can include theft, attempted theft or robbery of business money, plus defined assault benefits.

Goods in transit

May cover eligible goods while in transit within Great Britain, including loading and unloading.

Property extensions

May include fixed glass, signage or replacement locks, within the limits in the wording.

Choosing the Right Office Insurance Cover

Before buying office insurance, customers should compare the cover available with their own activities, the premises they work from, the value of contents and equipment, annual turnover and how often visitors attend. It is also important to read the IPID, the Policy Schedule and the full policy wording, paying close attention to exclusions, excesses, limits, sub-limits and conditions. This page provides information only and does not recommend a particular policy or level of cover.

Computers and equipment

Laptops, screens and servers

Office equipment is usually replaced piece by piece, so a sum insured set two years ago may sit well below what it would cost to replace everything today.

Visitors to your office

Clients, couriers and contractors

Public liability relates to injury or damage to third parties on your premises. Consider how many people attend, and the limits shown in your Policy Schedule.

If the office cannot be used

Fire, flood or escape of water

Business interruption responds to loss of turnover after insured damage. Consider how long it would take to find space and get your team working again.

What this product does not do

Professional indemnity is separate

There is no professional indemnity or advice related liability under this product. If your own work involves giving advice or designs, that exposure needs a separate policy arranged elsewhere.

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Desks with monitors, a filing unit and a shelf of box files in a small sunlit office

Office Insurance: Premises, Contents and Liability

Office insurance can bring several practical risks into one policy framework. For this product, property damage can include buildings, contents and office equipment where the section is selected and the loss is caused by an insured peril. Public liability relates to third parties attending the premises, which for an office means clients, couriers and contractors. The Policy Schedule remains key: it confirms which sections apply, the sums insured, excesses, sub-limits and any endorsements, and should be checked before purchase and after any change to the business.

Two colleagues at a desk, one pointing at a laptop screen while the other writes in a notebook

Why Find Small Office Insurance Through Insureworks?

Insureworks is here to make finding insurance simple and transparent. For small office insurance that means partnering with insurers who explain covered areas, common restrictions and policy documents in plain English, without implying every office needs the same cover. This page is information only and is not personal advice. Insureworks is not the insurer and does not underwrite or pay claims. Before buying, customers should review the IPID, Policy Schedule and the full policy wording, and check carefully what is not included as well as what is.

How Office Business Cover Works

  • Choose the cover sections that appear relevant to the office, such as property damage, public liability, business interruption or money and assault.
  • Review the IPID, Policy Schedule and policy wording to understand the selected cover, its limits, excesses, eligibility conditions and exclusions before buying.
  • Provide complete and accurate information when arranging, renewing or changing the policy, including your business activities, the premises and any material changes.
  • Notify a claim as soon as possible, provide requested evidence and report theft, malicious damage or criminal acts to the police.

Office Insurance FAQs

Four questions we are asked most often about insuring an office.

Office contents and equipment can be included under the property damage section, where that section is shown as selected in your Policy Schedule. Cover responds to insured perils rather than to every cause of loss, and excesses, limits and sub-limits apply. The sum insured should reflect what it would cost to replace the equipment you actually hold.

No. This product does not provide professional indemnity or any advice related liability cover. Public liability deals with injury or damage to third parties at your premises, which is a different thing entirely. If your business gives advice, designs, or provides a professional service, that exposure needs a separate policy arranged elsewhere.

If the premises are left unoccupied for more than 30 consecutive days, cover is restricted and only limited cover applies, as set out in the policy wording. That matters for offices that close over a holiday period or while a team works remotely. It is one of the first conditions to check against your Policy Schedule.

Public liability can help with certain legal liabilities for injury to third parties, or damage to their property, arising at your premises. That includes clients, couriers and contractors attending the office. Limits are shown in the Policy Schedule, and the section applies only where it is selected and the policy conditions have been met.

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