What Is Office Insurance?
From the computers, desks and printers through to the windows, cupboards and stock, it’s easy to forget how much comprises your office. Whether you manage a commercial office or home office, we can find you the perfect policy, regardless of the industry in which you operate. From solicitors and marketing agencies through to financial institutions and call centres, we can help all types of companies with their insurance needs. You can personalise your policy through The Insurance Octopus, paying only for the cover you need, based on a transparent service from a Feefo Platinum-awarded firm. You gain the office insurance policy that protects your own, without the unnecessary bells and whistles that add extra costs.
Finding a suitable quote is easy. All you need to do is fill in our quote form, or ask for a call back, and we’ll get back to you as soon as possible, and go through a range of options. Should your requirements change, then the policy can change with it, without any hidden fees that other insurance businesses may charge.
What may be included in an Office Insurance package?
Public Liability Insurance
Your office may appear safe, but unexpected incidents happen all the time. This policy keeps visitors, customers and contractors safe, with our standard cover starting from £1-£5m.
Employers Liability Insurance
A legal requirement, this cover keeps your staff safe, and your business protected, by paying out compensation for any work-related injuries or illnesses.
Business Interruption Insurance
From floods, fires and vandalism to issues caused by water, electricity and gas, this policy protects you against any loss of income, should your office need to close.
Have a website? Offer online services? We can source protection for your company from hacks, cyber attacks and data loss, and even cover reputational damage, as well as crisis management.
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 finding tailored commercial office insurance, so get in touch for your Office Insurance quote and make sure you are covered.
What Your Office Insurance Policy Can Include
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 Source Cover For
Whether you own your office premise or rent your office space we can source and arrange a policy to keep you protected. Get a quote today online or speak to one of our office insurance specialists for a quote.
Specialist Tailored Cover For Your Office, with Dedicated Covers Including Contents, Buildings Cover & More.
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.
Office Insurance FAQs
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.Was this article helpful?YesNo
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.Was this article helpful?YesNo
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.Was this article helpful?YesNo
Why Choose The Insurance Octopus?
We proudly make buying insurance different and source and compare cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we find policies that offer up to £5 million worth of Public Liability cover for office owners – with more available on request.
Simple specific cover
To help save you both time and money. We find and 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.
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.
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.
Get Business Insurance Off Your To Do List
Help protect and grow your business with tailor made business insurance through The Insurance Octopus
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