Office insurance
If you rent or own an office, this cover can help you replace equipment after a flood, fire or burglary. Custom-build a policy specific to your business by choosing only the covers you need.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
What is office insurance?
Office insurance is designed to protect you against the costs and disruption to your business following an unexpected event.
Adversities such as a fire, flood or burglary can be disastrous and expensive to manage. Business insurance can be a lifeline when you’re trying to recover and rebuild.
- Office buildings and contents cover, at work and on the move
- Can covers multiple liabilities and legal costs
- An all-in-one policy makes it easy to manage your cover
- Business interruption cover available
Is your business raising and scaling?
Our specialist brokers provide custom cover for high-growth tech companies with complex risks — from web3, fintech, medtech, blockchain, VC firms, SaaS and more — whether you're at seed stage or IPO ready.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it — we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
How office insurance can help your business
Full protection
This cover enables you to protect your risks in one easy-to-manage policy. From damage to your workplace right through to your public and employer liabilities, we’re here to make sure you have the support you need to keep your business moving forward when reliability matter most.
Support, when you need it most
If disaster strikes and you’re facing downtime, this cover may help. Office insurance is designed to cover downtime caused by events such as fire and flooding. Your cover could include loss of revenue and the increased cost of working your business might incur, so that you can get back up and running without skipping a beat.
Cover for your buildings
We’ve included protection for your buildings whether you own or lease. We are here to help fix your workplace in case of events such as fire, flood and subsidence. If your workplace is essential to your business operations, this cover might be one for you to consider.
Please note, that depending on the size of your company or your turnover, some of these options might not be available to you.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
What does office insurance cover?
Pick from a range of covers to create the protection you need.
Public liability insurance
Public liability insurance is designed to cover claims made against you by members of the public for property damage and accidental bodily injury, illness, disease or even death as a result of your work.
Employers' liability insurance
Employers' liability insurance (EL) is usually a legal requirement for most UK companies, even if you only hire contractors, temporary or part-time staff. Our employers' liability insurance provides £10 million cover and automatically covers your employees when they work from home or travel anywhere in the world.
Portable and electronic equipment
This is designed to cover your portable and electronic equipment, including accessories, for theft accidental loss or damage anywhere in the UK and while temporarily removed anywhere in the world.
Please note, the policy doesn’t cover theft if items are stolen from your work premises or unattended work vehicles.
Buildings insurance
If you own your office, we can cover the buildings. If you lease the premises, we can cover the fit-out as well as your landlord's fixtures and fittings.
We also provide rent payable cover, which covers you if you're required to continue paying rent to your landlord in the case of an insured property damage event where your premises is inhabitable.
Business interruption insurance
Business interruption insurance is built to cover your loss of revenue following material damage at your premises or any property you use for your business, so that you can get back to work without losing days of time and money. Material damage covers events like fire, flood or obvious damage or loss.
Money insurance
Covers the cash you hold, whether it's at your premises, a safe location, or in transit to another safe location. We can offer you up to £5,000 for any single loss on premises during working hours, in transit or while secure in a bank safe.
Legal defence costs
Built to cover legal costs and expenses arising from a breach of health and safety regulations, consumer protection and food safety acts, as specified in your policy wording. Fines, penalties and previous losses aren’t covered under this policy.
What we can't cover
We'd love to be able to cover every eventuality but, as with all insurance policies, there are some things we cannot cover.
Depending on the size of your company or your turnover the following covers might not be available to you in this package:
- Business equipment insurance
- Buildings insurance
- Business interruption insurance
- Money insurance
- Legal defence costs
For full details of the inclusions and exclusions, please refer to your policy documents. Read our guide to understanding your policy documents to bust through the jargon.
Office insurance FAQs
Do I need office insurance?
That is up to you — you have no legal obligation to have office insurance. That said, our comprehensive office cover could provide you with insurance for a variety of risks your business may face.
The only insurance that is usually a legal requirement is employers' liability insurance. Other covers may also be contractually required, such as public liability insurance.
What is the excess on this cover?
This will vary depending on the nature of your claim. Some claims won't have any excess and others will. For full details, please see your policy schedule.
Does office insurance cover me and my employees working from home?
Yes! Whether you and your employees are in the office, at home or travelling for work, we can cover you.
My business doesn't involve much interaction with the public. Do I still need public liability insurance?
Even if your business isn't office-based, you’ll no doubt have clients or members of the public visiting you from time to time, or perhaps your employees attend work events.
If an accident happens, either on your premises or as a result of your activities elsewhere, you could be held liable, with serious financial repercussions for your business.
Do you own office space that you rent out to a business?
Superscript offers customisable commercial landlord insurance, protecting you and your property from a range of risks.
Boost your cover with legal protection insurance
Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.
Why choose Superscript?
Cover for over 1,000 types of business
Five-star customer service and claims support
Flexibility to adjust your policy without fees
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.