Office insurance

Hiscox office insurance is a combined policy that can include different types of cover. Once you have contents cover, buildings insurance can be added to the policy. It’s possible to also add portable kit cover at any time – plus, equipment breakdown insurance can be included if you have any of these cover types in place first. 

This combination of cover works to protect your small business against incidents preventing you from accessing your premises or the equipment within it – this includes problems relating to your home office.  

You might face an overnight break-in resulting in damage to the building, plus equipment theft. The premises may be even impacted by a fire or a flood.  

Comprehensive office insurance tailored to your business needs can assist in all these instances. An office policy can step in whether you need financial help with equipment repairs, replacements or rebuilding and damage costs. 

Small businesses with a physical office space may find they need the reassurance and backing of insurance for both their building and office contents. 

The smooth running of your business can require fully operational equipment. Being able to effectively use your space can also make a big difference. If something happens to disturb these things, you may suffer lost productivity, missed deadlines and even damage to your all-important reputation. 

Localised disasters such as fires and floods can mean you’re unable to physically get into your office.  

Disruptions may extend further than being able to use your office – your business might experience damage from vandalism or theft. Or even sudden electrical or mechanical failure, which will be covered if you add equipment breakdown insurance. 

The combination of covers an office insurance policy provides could mitigate these risks by helping to fund bills, repairs and replacements. It helps to keep the wheels of your business in motion.

As soon as you have a physical office space, insurance may become a key consideration – with Hiscox, you can get a combined quote for both your property and contents.  

In business, success rests on your ability to be productive. Without the use of your vital equipment or access to your premises, you may experience lost productivity which can impact your earnings. This may be especially true if you miss a deadline and this damages the good reputation you’ve worked so hard to build. 

Putting an office insurance policy in place can help your business to keep running, even when the premises are out of action. 

How much office insurance you may need will likely depend on the specifics of your business and the type of assets you have. 

With Hiscox, it’s possible to tailor your policy to ensure you get the coverage you require to meet these particulars. 

To explore how much cover you could need, a good starting point is to calculate the total value of your assets.  

Once you have all the details you need, get an office insurance quote. Our UK-based experts will work with you to build the right level of insurance coverage to meet your requirements. 

The following is covered by Hiscox office insurance: 

• Damage to the building, fixtures and fittings – including glasswork and signs 
• Accidental damage as standard – as well as cover for storms, floods and fire 
• Non-standard items, such as artwork and a visitor’s personal items 
• Rebuilding costs, including professional fees 
• Portable equipment, including laptops and mobile phones, even when you’re on a customer’s site