Insurance cover for Commercial Offices, Rented Offices and Home Offices
Specially designed cover in one simple policy for office based businesses
From fires to flood damage, to a window breakage or structural faults, a commercial office insurance policy will help to protect your business against various possible risks.
An office insurance policy not only gives you peace of mind that your business is fully protected, but you can also take advantage of the various business help lines that your cover provides, from free help and advice on business related items such as tax and legalities.
The Insurance Octopus are specialists in providing tailored commercial office insurance, so get in touch for your office insurance quote and make sure you are covered.
What your office insurance policy includes
Public Liability cover for offices
Public Liability insurance cover protects you from claims made by those who have suffered injury, illness or damage to their property directly caused by your business operations.
Employers Liability insurance cover
This provides protection for any claims made by employees who have suffered an injury or a work related illness. This element of protection is usually a legal requirement if you have employees.
Buildings insurance & Business Interruption cover
Buildings insurance & Business Interruption cover protects the building where your office is based. You could incur risks such as theft, fire and flooding, which would result in costing your business to rectify the damage, or prevent you from working during the completion of repairs.
Contents cover will secure the contents and equipment in your office, with fixtures and fittings added to the policy if required.
Types of offices we can cover
Whether you own your office premise or rent your office space we can arrange a policy to keep you protected. Get a quote today online or speak to one of our office insurance specialists for a quote.
Benefits of taking out an office policy
It makes good business sense to have a thorough, tailored office insurance policy in place, to protect your business from an unexpected incident. Such risks may seem low but disruption to your business could be disastrous. Depending on the type of business you run from your office premises, office insurance will cover your business along with optional features to add onto your policy should you require.
Specialist office insurance cover
Business equipment cover will insure you for loss or theft of expensive items that you may take with you if you work away from your office, while stock insurance cover will cover the cost price of your stock should it be damaged, stolen or destroyed. These are just a few of many examples to consider for protecting your working environment.
Why choose The Insurance Octopus for Office Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that's why we offer up to £5 million worth of public liability cover for office owners - with more available on request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Office Insurance FAQ's
Get the answers you're looking for
What is tenants' improvement insurance?
Tenants’ improvement insurance is cover that goes above and beyond the usual building cover available for office type properties. This insurance accounts for any permanent additions or lasting changes that are made to a building by a tenant usually at their own expense. Examples of this would be alterations to wall layouts, the introduction of air conditioning and other physical changes. Tenants’ improvement insurance covers these “improvements” to the building, as they will not be covered by the owner or landlord of the property.
Why do I need office insurance?
Cover for a commercial office property is essential, especially as a rented space. Anything from break-in and theft through to employee injury or even fire or flood damage can occur in properties such as these. Having full coverage for all the equipment within the office that you own as well as for the maintenance and rebuilding of the property is key to ensuring you face no sudden legal or repair fees that would be hard to cover. I am not sure what legal costs the writer is referring to in this sentence as they only refer to material damage.
Do I need buildings insurance if I rent my office?
Often, leases for commercial properties are very different to those for homes. When signing a lease for a commercial office building, ensure you know whether you’re expected to cover the building insurance on the property. This is often the case with commercial properties, as landlords know buildings insurance can often be bundled with contents insurance.
How office insurance works
Examples of Office Insurance in action
A £10,000 trip at work
While walking around their office, a staff member trips on a piece of carpet that was not fitted securely and injured their foot severely. The trip hazard had not been signposted which left them claiming against their employer. The claim included medical costs for their injury and compensation. The employer was fully covered by their Employers’ Liability insurance which meant they could use this to settle the claim against them.