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We arrange office insurance with leading UK insurers
Why an Office Insurance Checklist Matters
Office insurance is often underestimated. Many businesses rely on outdated policies, incorrect assumptions about landlord cover, or incomplete protection that leaves serious gaps when a claim occurs.
This checklist helps office-based businesses review their insurance arrangements and ensure they are correctly protected against property damage, liability claims, cyber risks and operational disruption.
Office Insurance Checklist
Property & Assets
- Office building or tenant interest identified
- Fixtures & fittings insured correctly
- Office contents accurately valued
- IT equipment and servers declared
- Portable equipment covered off-site
Liability Insurance
- Public liability limits adequate
- Employers’ liability in place (legal requirement)
- Tenant / leaseholder liability included
- Contractual liability exposures reviewed
- Visitors and contractors covered
Operational & Financial Risk
- Business interruption cover included
- Indemnity period sufficient
- Increased cost of working covered
- Supplier or service dependency reviewed
Cyber & Data Protection
- Cyber insurance in place
- GDPR & ICO exposure addressed
- Remote and hybrid working included
- Ransomware and data breach response covered
People & Management Risk
- Directors’ & officers’ liability considered
- Employment practices exposure reviewed
- Key person risk assessed
Policy Structure & Compliance
- Lease and landlord obligations checked
- Policy exclusions reviewed
- Security and risk conditions met
- Cover reviewed annually
Why Use Insure24 for Office Insurance?
- Office-specific insurance expertise
- SME and corporate capability
- Lease-aware risk advice
- Access to leading UK insurers
- Claims-focused policy structuring
FREQUENTLY ASKED QUESTIONS
+-Do all offices need the same insurance?
No. Office insurance should reflect size, location, lease obligations, employee numbers and data exposure.
+-Does landlord insurance cover office tenants?
Usually not. Tenants often remain responsible for internal damage and liability under the lease.
+-Is cyber insurance necessary for offices?
Yes. Most office businesses store personal or commercial data and face cyber risk.
+-How often should office insurance be reviewed?
At least annually, or whenever the business, premises or lease terms change.
+-Can Insure24 review my existing office insurance?
Yes. Insure24 can review existing policies and highlight gaps or improvements.