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Office Contents & Equipment Insurance Explained
Office contents and equipment represent a significant investment for most businesses. From desks and furniture to computers, servers and specialist equipment, replacing these assets after theft, fire or damage can be expensive and disruptive.
Contents & Office Equipment Insurance from Insure24 protects your business assets against a wide range of insured risks, helping you recover quickly and continue operating.
This cover is suitable for businesses operating from traditional offices, serviced offices, coworking spaces or managed office environments.
What Does Contents & Equipment Insurance Cover?
Office Contents
Office contents insurance covers physical items owned by your business that are not part of the building itself.
- Desks, chairs and office furniture
- Meeting room and reception furniture
- Filing cabinets and storage units
- Fixtures, fittings and décor
Office Equipment & IT
Equipment cover focuses on higher-value and specialist items essential to your day-to-day operations.
- Computers, laptops and monitors
- Servers, networking and telecoms equipment
- Printers, scanners and peripherals
- Specialist or industry-specific equipment
What Risks Are Insured?
- Fire, smoke and explosion
- Flood and escape of water
- Theft and attempted theft
- Vandalism and malicious damage
- Storm and weather damage
Contents Insurance in Serviced & Managed Offices
In serviced and managed office environments, insurance responsibilities are often shared between the operator and the occupier.
What Operators Usually Cover
- Base furniture and communal areas
- Shared fixtures and fittings
- Building and core infrastructure
What Occupiers Must Insure
- IT equipment and business assets
- Portable devices and laptops
- Specialist equipment
Why Contents & Equipment Insurance Is Essential
Loss or damage to office equipment can bring business operations to a halt. Insurance helps minimise disruption and protects cashflow.
- Avoid large replacement costs
- Protect business continuity
- Meet lease or licence insurance requirements
- Support faster recovery after incidents
FREQUENTLY ASKED QUESTIONS
+-Do serviced office occupiers need contents insurance?
Yes. Occupiers are usually responsible for insuring their own equipment, IT and business contents.
+-Are laptops covered outside the office?
Portable equipment can often be covered away from the office, subject to policy terms.
+-Is accidental damage included?
Accidental damage is often available as an optional extension, depending on the insurer.
+-Does contents insurance include data loss?
Physical equipment is covered, but data loss is usually addressed under cyber insurance.
+-Can cover start immediately?
Yes. Cover can usually start immediately once your quote is accepted and payment is confirmed.