About office insurance
What does office insurance do?
Office insurance protects you if there’s a serious incident that prevents access to your premises, including your home office, or your equipment within. With comprehensive office insurance, you're covered in the event of a break-in and if your equipment is stolen or damaged. If your business is put on hold, we’ll cover any loss of productivity and pay for the necessary replacements.
Who needs office insurance?
If you have a physical office space, you should insure both your building and contents. Lost productivity means lost earnings, missed deadlines and possibly a damaged reputation. Putting an office insurance policy in place ensures your business can keep running, even when the premises are out of action.
What level of office insurance cover do I need?
You can tailor your policy to make sure you get exactly the coverage you need. As a starting point, think about how much your assets are worth and what a day of lost productivity would cost. When you’re ready, our experts will work with you to identify the right level of coverage for your needs.
Tell us about your business – we’ll help you to build your office insurance quote and explore any other insurance needs.
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When office insurance can help
Localised disasters & damage
If you can’t physically get into the office because of something dramatic like a fire or flood, or just because of road closures and infrastructure work, you'll need financially cover until you're back to normal. Business interruption insurance is there to make sure you can pay bills and maintain relationships with your clients and suppliers.
Building break-in cover
Seeing damage inflicted on your commercial premises or equipment through acts of theft, vandalism or accidents can be emotionally draining. It’s also expensive in terms of arranging repairs, replacements, any loss of productivity and endangered deadlines you face as a result.
Equipment breakdown
If you work with tools and technology, there’s always the chance that damage to your equipment could render you unable to work. That means expense and the potential for you to let your clients down too. Hiscox office insurance will pay for any repairs and get you back in business quickly, whether it's plant machinery or cover for portable equipment.
What’s included in our cover
We’ll cover you for:
- 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, like artwork and a visitor’s personal items
- Rebuilding costs, including professional fees
- Portable equipment like laptops and mobile phones, even when you’re on a customer’s site.
Just provide a few details about yourself and we’ll start tailoring your quote for office insurance cover.
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