Office insurance

Office insurance protects your company’s assets from the costs of damage or theft.

When the unexpected happens, insurance may help. It could be an office break-in or a damaged computer. Cover could help you continue with business as usual. 

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Why choose Hiscox for office insurance?


Cover for non-standard items

Hiscox office insurance can cover items such as expensive artwork.


Unlimited policy changes

We let you make unlimited policy adjustments with no admin fees.


Award-winning insurer

We're the proud winner of a Feefo Platinum Service award in 2024.

Get office insurance for your business

Tell us what you do

First of all, tell us what you do

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We may be able to offer you cover based on your business sector.

Looks like you're having trouble finding an exact match.

We may be able to offer you cover based on your business sector.

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What is office insurance?

Hiscox office insurance is a combined policy. It can include different types of property cover. Together, these separate products can protect your office from a range of threats.

Office insurance can bring together:

  • Business contents insurance
  • Commercial property (buildings) insurance
  • Portable equipment insurance
  • Equipment breakdown.

Need guidance on how these products fit together? Contact our customer service team for more information.

You need to have business contents cover to add commercial buildings insurance.

These help you stay protected from:

  • Damage to the office itself (if cover for buildings is purchased)
  • Loss, damage or theft of equipment and furniture inside.

It’s also possible to add portable equipment cover or tool insurance at any time. These are both types of 'property away and in transit insurance', so you would only need one or the other. They can protect your kit while it’s away from the office.

Travel frequently? There’s also the option to buy ‘property away and in transit insurance’ as a standalone cover.

You can also add equipment breakdown insurance once you have contents and/or portable equipment cover in place. This add-on is for the electrical or mechanical breakdown of items in your office (wear and tear is not covered). For example, if your server goes down due to an electrical fault.

Together, these office insurance products can help protect your business.

Tailored office insurance coverage can help if there’s a:

  • Break-in
  • Fire.

Your business’ policy can step in to pay for:

  • Equipment repairs
  • Replacements
  • Rebuilding work
  • Damage costs. 

Do I need office insurance?

Does your small business have a physical office space? If so, you might find you need insurance. It helps to secure both the building and what’s inside. 

Office premises insurance can help cover lost or damaged equipment. So, you can keep doing what you do best.

Not sure what you need?

Tell us about your business. We’ll help you to build your office insurance quote.

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How much office insurance will I need?

How much business office insurance you may need will depend on the:

  • Nature of your business
  • Types of assets you have
  • Way you use equipment.

Whether you own or rent your office also makes a difference. You might need more cover – including buildings insurance – if the space is yours.

With Hiscox, it’s possible to tailor your policy. This way, you can get the coverage you need. 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 can get an office insurance quote. Our UK-based experts will work with you to find out what you need. They’ll help you to build the right level of insurance coverage for you.

Need to change your policy at a later date? We can action this with no admin fee. Your policy premium may go up or down. 

What does your office contents insurance cover?

The following is covered by Hiscox office contents insurance: 

  • Up to the replacement value you select to repair or replace accidentally lost, damaged or stolen contents contained in your office
  • Replacing and boarding-up following glass breakage. Costs can be covered up to £10,000
  • Repairing damage to your office building caused by theft or attempted theft - up to £10,000
  • The loss of, or damage to, money belonging to the business while it is in the office. This may be up to £5,000, or up to £2,500 at an employee’s home
  • Restoring destroyed documents and electronic data - up to £5,000. A backup must be made at least once a week.

Note that contents insurance is just one part of office insurance. Coverage will vary depending on the products you add.

Please refer to policy wording documents for the full details of inclusions and exclusions. Or contact our customer services team for more information.

Get your office insurance quote online in minutes.

Start by providing a few details about yourself. We’ll tailor your quote for office insurance cover.

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What isn’t covered by office contents insurance?

We will not make any payment for:

  • Damage caused by wear and tear. Or inherent defect, rot, fungus, mould, vermin or infestation. Or any gradually operating cause
  • Claims to any item resulting from its own breakdown
  • Claims resulting from a rise in the water table
  • Claims from coastal or river erosion
  • Loss caused by fraud or dishonesty or any partner, director or employee of yours, unless notified to us within ten working days of its discovery
  • Damage occurring while the premises are unoccupied, unless agreed by us in writing
  • The amount of the excess.

Note that contents insurance is just one part of office insurance.

Please refer to policy wording documents for the full details of inclusions and exclusions. Or contact our customer services team for more information.

Office insurance: FAQs

Do I need office insurance if I run my business from home?

The risks can be similar for both home offices and commercial premises. Office insurance from Hiscox can provide cover for home offices. Tell us you work from home when building your quote. 

Your standard home insurance policy may not cover what you need. Your business kit or operations may be unprotected. Check your cover to understand what’s included. 

When should I get office insurance?

As soon as you have a physical workspace, office insurance can be a key consideration. With Hiscox, you can get a combined quote for both your building and contents. 

From day one, office insurance can help your business get back on its feet.

Do I need insurance if I work in a co-working office space?

When you operate from a co-working space, the building’s owner may insure the premises. But insurance for your business assets is your responsibility. Commercial office insurance is not usually required under UK law. Still, financial protection may help. Say, if there’s a need to replace key equipment. 

Combined office insurance can help many types of businesses. Maybe you run a start-up, are self-employed or are a sole trader

Depending on what you do, you may want business insurance for other risks too. For example, with personal accidents or public liabilities

How much does office insurance cost?

The price of office insurance can vary. We take several factors into account, including the size of your business and office. We also consider the policies you add.

For example, if you own your office and need buildings insurance, you might pay more. If you don’t need equipment breakdown cover, you could save money.

Hiscox business insurance starts from £8.40* a month. But the price of office insurance may be different.

Contact us for an accurate office insurance quote.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024

How do I pay for office insurance?

You can pay for your Hiscox office insurance by: 

  • Debit card
  • Monthly direct debit
  • Annual direct debit. 

Flexibility is our priority. If you need to cancel, we don’t charge a fee.