Office Insurance is generally a Business Insurance arrangement designed for businesses operating primarily from an office.

It is not necessarily a completely separate type of insurance product.

Instead, insurers can combine relevant Business Insurance sections into a package suited to an office-based business.

What types of businesses can use Office Insurance? #

Examples can include:

• Consultants.
• Accountants.
• Engineers.
• Designers.
• Professional services firms.
• Real estate businesses.
• Recruitment firms.
• Technology businesses.
• Administrative businesses.

The appropriate cover depends on the actual business activities.

What can an Office Insurance package include? #

Depending on the insurer and sections selected:

• Office contents.
• Public Liability.
• Business Interruption.
• Theft.
• Glass.
• Portable equipment.
• Money.
• Electronic Equipment.
• Machinery Breakdown.
• Other optional covers.

Not every policy automatically includes every section.

Is Office Insurance the same as Professional Indemnity Insurance? #

No.

Office Insurance protects specified business property and operational risks.

Professional Indemnity Insurance addresses certain claims arising from professional advice and services.

An office-based professional business can require both.

Is Office Insurance compulsory? #

Generally no.

However, leases, contracts or landlords can require certain insurance such as Public Liability.

The business should also consider the financial impact of losing office contents or being unable to use the premises.