Office insurance
Join over nearly a million customers like you – we offer public liability cover from £4.95*
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Get tailored Get tailored quotes in 7 minutes
10% of customers pay the equivalent of £4.95 a month*
Compare quotes from leading brands
Rated 4.5/5
Based on 39.9K reviews
Claims paid in 24 hours
For 80% of settled claims
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 39.9K public liability customer reviews
- add tools, accident, and employee cover – you choose what you need
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.
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Office contents
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Office buildings
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 £4.95 per month
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example office insurance quotes, real prices
£15.20 /month
£131.98 /year
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
£47.71 /month
£424.06 /year
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:
- Business insurance
- Public liability insurance
- Business legal protection insurance
- Contract works insurance
- Employers liability insurance
- Limited company insurance
- Professional indemnity
- Professional liability insurance
- Business interruption insurance
- Tools insurance
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
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Compare policies from a range of trusted insurers
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Talk to an expert
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
Call our team
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.
£68 million in claims paid out in 2024
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
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.
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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