Business contents insurance
Join over 594,000 SMEs (including businesses with contents cover)
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- Get business contents insurance in 7 minutes
- £57 million in claims paid out in 2025
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Rated 4.5/5
Based on 40k reviews
Claims paid in 24 hours
For over 95% 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 4.5/5 based on 40k Feefo customer reviews
- trusted by nearly a million customers small UK businesses for flexible, tailored cover
What does business content insurance 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.
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Theft
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Vandalism
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Flood
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Fire
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?
Things like the size of your business and the type of equipment you want to insure can affect the cost of business contents insurance. For example, if you have a suite of expensive iMacs and camera equipment in your studio then your contents insurance is likely to cost more than for an office where staff bring their own laptops.
It’s important to work out the value of your contents carefully so you have the right level of cover – this is the ‘sum insured’ and is based on how much it would cost you to replace the items listed on your cover.
Find out how much you’ll pay by comparing prices for business contents insurance from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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*Prices are guaranteed for 30 days
Example business contents insurance quotes, real prices
£24.02 /month
£240.24 /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
Legal expenses
Not included
£157.83 /month
£1,578.35 /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
Stock
Not included
How we work out example quotes: These examples are real quotes from our online system (created 01/10/2024). 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.
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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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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.
£57 million in claims paid out in 2025
The figure above is rounded across our range of products. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 13/03/2026.
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 nearly one million small business and landlord customers
With insurance for over 1,500 trades, and 9/10 customers rating us ‘good’ or ‘excellent’ on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy – all in one place.
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.
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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