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Office insurance

Join over 900,000 UK customers with cover from £3.19 per month*

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  • Get covered and all your documents the same day
  • Get tailored quotes in less than 7 minutes
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Rated 4.7/5

Based on 39,755 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is office insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why is office insurance important?

Depending on your type of business, office insurance is a backstop for thousands of UK companies and professionals. It’s designed to jump in when unexpected events hit your premises – like a fire, flood, or break-in – providing cover to help with replacement costs for your contents, or urgent building repair works. You can add these covers on to your business insurance policy, combining them with popular options like public liability insurance.

  • get a tailored office insurance quote, combining contents and buildings cover
  • rated 4.7/5 based on 39K+ public liability customer reviews
  • add tools, accident, and employee cover – you choose what you need

Start your quote

What does an office insurance policy cover?

You know your work best, so we give you the wheel when building your insurance. Office-based businesses often have automatic cover provided by the owner of the building or management company, but if you own your premises or need protection for equipment, contents and fittings, a tailored quote featuring office contents insurance and buildings cover can be a key support.

Office contents

What does this cover?

  • fire, flood, and theft
  • your office contents, up to the level you choose when building your cover

When would I need to make a claim?

  • for example, an electrical fault results in a fire at your office premises, destroying your furniture

Office buildings

What does this cover?

  • fire, flood, impact
  • your office building, up to the level you choose when building your cover

When would I need to make a claim?

  • heavy rainfall causes a flood in your office premises, damaging part of the structure
  • a car accident outside your office premises causes damage to one of the walls

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does office insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

Example office insurance quotes, real prices

chiswell insurance

£15.20 /month

£131.98 /month

A freelancer photographer that specialises in event and general occasion photography

  • Less than 1 years' experience
  • Sole trader
  • No employees
  • Based in Leeds
  • Public liability

    £1,000,000

  • Office equipment

    £10,000

  • Professional indemnity

    £50,000

elements insurance

£47.71 /month

£424.06 /month

A freelance web designer who rents a small office space

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Peterborough
  • Public liability

    £2,000,000

  • Professional indemnity

    £100,000

  • Office equipment

    £10,000

How we work out example quotes These examples are real quotes from our online system (created 20/09/2023). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers' liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

Looking for something else?

No matter your industry, we have specialist insurance available. Take a look at just some of the trades we cover:

When you run a quote you can select from a range of covers.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Chosen by 900,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,755 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Office insurance policy FAQ

Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about insurance for office space risks.

You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a "family business" as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild, or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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