Business contents insurance
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is business contents insurance important?
From furniture to appliances, most business premises rely on specific contents to operate. If there’s a risk that something will get damaged or stolen, business content insurance provides peace of mind. It’s designed to help cover replacement and repair costs, as an expert add-on to your business insurance policy – start a quote now and tell us about your business.
- business contents insurance for commercial premises – covering break-ins, fire, and flood
- rated 4.7/5 based on 39K+ public liability customer reviews
- trusted by over 900,000 small UK businesses for flexible, tailored cover
What does business content insurance uk cover?
Business contents insurance is designed to cover repair and replacement costs for office furniture including chairs and desks, as well as business equipment such as telephones.
Keep in mind, all insurers treat this cover differently. Check your policy wording carefully before you buy to make sure you’re clear on exactly what counts as business contents.
Theft
Vandalism
Flood
Fire
Theft
What does this cover?
- theft of items like your office furniture or business equipment like a photocopier
- cover for your contents, up to the insurance level you’ve selected
When would I need to make a claim?
- for example, someone breaks into your business premises and steals the office printer
Vandalism
What does this cover?
- damage and destruction caused by vandalism
- cover for your contents, up to the insurance level you’ve selected
When would I need to make a claim?
- for example, someone forces entry to your business premises and graffitis your office furniture
Flood
What does this cover?
- damage and destruction caused by flooding
- cover for your contents, up to the insurance level you’ve selected
When would I need to make a claim?
- for example, a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents
Fire
What does this cover?
- damage and destruction caused by fire
- cover for your contents, up to the insurance level you’ve selected
When would I need to make a claim?
- for example, a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
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 business contents 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
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 business contents insurance quotes, real prices
£16.24 /month
£142.40 /year
A self-employed caterer specialising in small events such as weddings and parties (exc. mobile van)
- Less than 1 years' experience
- Sole trader
- No employees
- Based in Leeds
Public liability
£1,000,000
Employers’ liability
Not included
Contents & business equipment
£5,000
£41.61 /month
£369.89 /year
A family run beauty salon based in a shopping centre and provide treatments away from the business premises
- 5+ years' experience
- Limited company
- 3 employees
- Based in Watford
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£15,000
How we work out example quotes These examples are real quotes from our online system (created 03/03/2023). 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.
Looking for something else?
Depending on your set-up, clients and business type, these expert covers might be helpful too:
When you run a quote you can select from a range of covers.
How it works
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How do business contents insurance 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.
Example claim
Having business contents insurance through Simply Business has saved small business owners thousands of pounds when the unexpected happened.
Annie saved more than £37,900
Annie (not her real name) called our claims team to report a flood from the flat above her business premises, due to a blocked pipe. The escape of water caused extensive damage to her carpet and fridge/freezer, as well as the electrics. The optional commercial content insurance added to Annie’s business policy helped cover her repair and replacement costs.
Insurance payout
£37,911.96
Covering the cost of escape of water
Annie’s costs
£100
The excess amount stated in Annie’s policy terms
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.
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Rated 4.7/5
Based on 39,717 reviews
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Business contents insurance 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 commercial contents insurance.
You can also check out our business insurance FAQs.
When you work in a busy business premises, whether it’s an office, shop, or studio, there’s always a risk that something could get damaged or stolen. Business content insurance helps to cover replacement and repair costs for any furniture or equipment that your business premises relies on to operate.
Any specific contents that you rely on to run your business premises, including furniture like desks, freestanding items like filing cabinets, and office equipment like a scanner. Make sure to check exactly what’s covered with your insurer.
Business premises contents insurance is a cover specifically designed for commercial property – it’s different to your own home contents insurance. Replacing or repairing essential business items can take significant time and money – resources you’d prefer to allocate elsewhere in your budget. From fire and flood to theft and vandalism, business contents insurance can set your mind at rest, knowing the support is there in a crisis.
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.
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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