What is office insurance?
Office insurance can offer cover for office contents, office premises, business interruption that leads to loss of income and equipment breakdown. Hiscox office insurance offers all of this, as well as portable equipment insurance. You can pick and choose which office insurance policies you need to create one tailored package.
Who needs it?
Whether you work from home or a separate business premises, having the right insurance cover for your office is important. We understand that every small business is different so we offer policy options you can tailor to your own specific needs.
Our business contents insurance covers the cost of replacing or repairing your office equipment if it is accidentally damaged, lost or stolen. In addition, you can also add a range of specialist covers to your policy: portable equipment, business interruption, equipment breakdown and buildings.
What type of insurance do I need?
As well as office contents insurance, you may also benefit from the below policies. This will depend on the nature of your business, and whether you own the premises you work from or rent them. For example, you probably won’t need office buildings insurance if you rent.
Office buildings insurance >
Portable equipment insurance >
Business interruption insurance >
Equipment breakdown insurance >
Why choose Hiscox office insurance?
- We cover non-standard items such as artwork and visitors’ personal effects as standard
- We provide contents cover on an ‘all-risks’ basis, which means we cover all eventualities while clearly listing the few exclusions
- You can tailor policy options to suit the needs of your business and add a range of specialist covers to your policy
- You can pay your premium by monthly interest-free Direct Debit.
Do I need a separate home office insurance policy?
No, Hiscox office insurance also covers those that work or run a business from their home. So if you have a home office, you would choose from the same office insurance products as those that work from commercial premises.
Create your own comprehensive business insurance package
Any business owner faces a variety of risks, but these needn’t be unmanageable with the right insurance protection in place. You can either take out Hiscox office insurance on its own, or as part of a tailored insurance package. This might include public liability insurance and professional indemnity insurance, as well as things like cyber and data risks insurance and personal accident cover, depending on the nature of your business.