Buildings Insurance
If you own the building your office occupies and are responsible for insuring it, buildings insurance can provide cover against specified insured risks affecting the property.
Office building insurance
Protect your office-based business with commercial insurance designed around the way you operate.From your premises, contents and office equipment to employees, visitors, business interruption and liability risks, we can help you consider the insurance your business needs.
Office insurance is commercial insurance designed to help protect businesses that operate from office premises against a range of risks that could affect their property, people, equipment and ability to trade.
The right insurance for an office-based business will depend on what the business does, where it operates, whether it owns or rents its premises, the equipment it uses and the people it employs.
Office insurance can bring together a number of different types of commercial cover. Depending on your circumstances, this can include protection for buildings or contents, business interruption, employers' liability, public liability and office equipment.
The insurance available to an office-based business will depend on its activities, circumstances and the policy selected.Depending on your requirements, the following areas of cover may be considered.
If you own the building your office occupies and are responsible for insuring it, buildings insurance can provide cover against specified insured risks affecting the property.
Office building insuranceContents cover can protect business property within your office, such as furniture, office equipment and other contents, subject to the policy terms.
Office contents insuranceBusiness interruption insurance can help protect against certain financial losses following an insured event that interrupts your normal business operations.
Office business interruption insuranceEmployers' liability insurance provides cover for certain legal liabilities to employees arising from work-related injury or illness. It is an important consideration for businesses that employ staff.
Employers' liability for office businessesPublic liability insurance can provide cover for certain claims made by members of the public, customers, visitors or other third parties in connection with your business activities.
Public liability for officesComputers, monitors, communications equipment and other technology may be important business assets. Cover can be considered for eligible equipment depending on the policy.
Computer and office equipment insuranceOffice businesses can hold important physical records, documents and other business information. Appropriate cover can be considered where these are exposed to insured risks.
Business records insuranceWhere an insured event makes your normal premises unusable, certain policies may provide assistance with additional accommodation or related expenses, subject to the policy terms.
Alternative office accommodationDepending on what your business does, you may also need specialist protection such as professional indemnity, cyber insurance or directors' and officers' insurance.
Specialist office business insuranceOffice-based businesses can have very different insurance requirements.Whether you provide professional services, manage people, handle customer information or rely heavily on technology, your insurance should reflect what your business actually does.
Office-based accountancy practices may need to consider professional, liability, cyber and office-related risks.
Legal practices handle sensitive information and can face professional and cyber exposures alongside their normal office risks.
Technology businesses may have significant professional, cyber, equipment and business interruption exposures.
Consultants can face risks arising from the advice and services they provide as well as normal office-related exposures.
Recruitment businesses can have office, employee, professional liability and data-related risks.
Property-related businesses can combine office risks with client, visitor, professional and liability exposures.
Agencies may rely heavily on computers, digital systems and professional services, creating additional risks to consider.
Architects, designers, financial businesses and other professional firms may require insurance tailored to their specific activities.
This list isn't exhaustive. If your business operates from an office, we can discuss the activities you carry out and the risks that may need to be considered when arranging commercial office insurance.
An office environment can appear relatively low-risk, but an unexpected event can still affect your premises, equipment, employees, customers or ability to continue trading.Understanding those risks is an important part of deciding what insurance your business may need.
Fire, escape of water, storm damage or another insured event could damage your premises, furniture, equipment and other business contents.
If an insured event prevents you from using your normal premises, your business may face disruption while the situation is resolved.
Employees, customers and visitors can be exposed to different risks while attending your premises or carrying out business activities.
Computers, monitors, servers, communications equipment and other technology can be important business assets.
If your business provides advice, consultancy or professional services, mistakes or allegations arising from those services can create a separate area of risk.
Modern offices often depend on email, cloud platforms, computers and digital information. A cyber incident can create a different set of business risks.
These examples are intended to illustrate potential business risks and are not statements that a particular event will be covered. Whether a claim is covered will depend on the circumstances and the terms, conditions, limits and exclusions of the policy.
Office insurance can address many of the risks associated with your premises, contents and day-to-day operation.However, the services you provide and the information you handle may create additional risks that need separate consideration.
If your office-based business provides professional advice, consultancy, designs or other specialist services, professional indemnity insurance may be an important consideration.It can provide cover for certain claims arising from allegations connected with your professional services.
Modern offices often rely on email, cloud systems, computers and digital information.Cyber insurance can be considered for certain risks arising from cyber incidents, data breaches and disruption to technology systems.
Directors and senior officers can face allegations relating to decisions made while managing a company.Directors' and officers' insurance may provide protection for certain claims made against individuals in their management roles.
Here are some of the common questions businesses ask when considering commercial office insurance.
Office insurance is commercial insurance designed to help protect an office-based business against risks affecting its premises, contents, equipment, people and ability to continue operating. The cover required will depend on the individual business and its circumstances.
There is no single insurance package that is right for every office business. Depending on the circumstances, a business may need to consider employers' liability, public liability, buildings or contents insurance, business interruption and cover for equipment. Professional indemnity and cyber insurance may also be relevant.
If your business employs people, employers' liability insurance is generally an important legal requirement in the UK, subject to specific exemptions. The appropriate level and policy requirements should be discussed with your insurance broker.
Office contents or equipment cover may provide protection for eligible computers, furniture and other business equipment, depending on the policy. The value, type and use of your equipment should be considered when arranging cover.
Business interruption insurance can be considered where an insured event could prevent or restrict your normal business operations. It may help protect against certain financial losses, subject to the terms, conditions and limits of the policy.
Public liability insurance may be relevant if customers, visitors, contractors or members of the public interact with your business. Whether you need it and the appropriate level of cover will depend on your activities and circumstances.
Cyber insurance may be worth considering if your business relies on computers, email, cloud systems or holds sensitive customer information. The relevance of cyber cover depends on the nature and scale of your digital risks.
Yes. Different office-based businesses can have very different insurance requirements. Dixons can discuss the activities, premises, employees, equipment and specific risks of your business to help identify the areas of commercial insurance that should be considered.
Tell us about your business, your office and the work you carry out. Our commercial insurance team can then discuss the cover that may be appropriate for your individual circumstances.
Complete the form below and a member of our team will be in touch.
Insurance cover is subject to the terms, conditions, limits and exclusions of the policy arranged. The information provided on this page is intended as a general guide and does not constitute advice.