Office Insurance from £8.00/month

Office insurance — business combined cover for office-based firms

Office insurance is a combined policy covering buildings (where owned), contents, IT equipment, business interruption, public liability, employers' liability and (typically as a bolt-on) cyber and professional indemnity. Premier Insurance arranges office cover for accountants, solicitors, recruitment agencies, IT consultancies, marketing firms, architects, surveyors, design studios, financial advisers and serviced-office operators.

Office insurance core cover

• Contents, IT & office equipment on a new-for-old basis
• Tenants' improvements if you've spent on the fit-out
• Portable equipment — laptops, phones, photographic kit — anywhere in the UK or worldwide
• Public liability £2m–£10m (£10m typical for any office expecting client visits or vendor access)
• Employers' liability £10m
• Business interruption on a 12-24 month basis
• Cyber — increasingly essential, see cyber insurance
• Professional indemnity if you provide advice

Typical office insurance pricing in 2026

• Small consultancy (1–3 staff, home or serviced office): £24.00–£48.00/mo
• 5–10 staff office (leased unit): £75.00–£165.00/mo
• 20+ staff with significant IT & client visits: £210.00–£475.00/mo
• Professional firm with PI bolt-on: add £45.00–£280.00/mo depending on profession and turnover

The "portable equipment" question that catches everyone out

Most office policies cover contents at the office address only. Laptops taken home, to client sites, to coffee shops or overseas need a portable equipment / all-risks worldwide extension — typically £8–£18/mo for £10k of cover. Without it, a stolen laptop on the train is not covered. We make this standard on every office quote we arrange.

For an office insurance quote, call 020 8908 2426.