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We compare liability insurance from leading UK insurers
Liability Insurance for Offices & Shared Workspaces
Commercial offices face daily exposure to liability risks from employees, visitors, contractors and members of the public. A single accident can result in significant compensation claims and legal costs.
Public and employers’ liability insurance provides essential protection against injury, illness or property damage claims arising from office operations, whether you operate a traditional office, serviced office or shared workspace.
Public Liability Insurance for Offices
Public liability insurance protects your business if a third party suffers injury or property damage while visiting or using your premises. Office environments may appear low risk, but claims are surprisingly common.
- Slip, trip and fall accidents
- Visitor injuries in reception areas
- Damage to third-party property
- Hot drink and kitchen-related accidents
- Contractor or delivery injuries
Employers’ Liability Insurance – A Legal Requirement
Employers’ liability insurance is required by law if you employ staff, including full-time, part-time, temporary or casual employees. This applies to office administrators, managers, receptionists and cleaners.
- Work-related injury or illness claims
- Repetitive strain and ergonomic injuries
- Stress and workplace-related claims
- Legal defence and compensation costs
- £10 million standard cover limit
Who Needs Public & Employers’ Liability Insurance?
- Commercial office occupiers
- Serviced office operators
- Shared workspace and co-working providers
- Office landlords with staff on site
- Business centres and managed offices
Choosing the Right Liability Limits
Liability limits should reflect the number of people on site, visitor footfall and contractual requirements. Many landlords and clients specify minimum limits.
- £2–5 million public liability for small offices
- £10 million public liability for shared workspaces
- £10 million employers’ liability (legal standard)
- Higher limits for high footfall premises
- Contractual limit requirements
Insure24 helped us secure the correct liability limits required by our landlord and corporate clients without overpaying.
Office Manager – UK Business CentreFREQUENTLY ASKED QUESTIONS
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Is employers’ liability insurance mandatory?
Yes. Employers’ liability insurance is legally required if you employ
any staff, even part-time or temporary workers.
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Do I need public liability insurance if clients rarely visit?
Yes. Visitors, contractors and delivery drivers are still considered
third parties and can bring claims if injured.
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Does employers’ liability cover stress claims?
Yes, provided the claim arises from employment and is not excluded
under the policy terms.
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Can public and employers’ liability be combined?
Yes. Most insurers offer combined liability policies
which are cost-effective and easier to manage.
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How quickly can liability cover be arranged?
In most cases, cover can be arranged the same day,
often within minutes once details are confirmed.
+-
Is employers’ liability insurance mandatory?
Yes. Employers’ liability insurance is legally required if you employ
any staff, even part-time or temporary workers.
+-
Do I need public liability insurance if clients rarely visit?
Yes. Visitors, contractors and delivery drivers are still considered
third parties and can bring claims if injured.
+-
Does employers’ liability cover stress claims?
Yes, provided the claim arises from employment and is not excluded
under the policy terms.
+-
Can public and employers’ liability be combined?
Yes. Most insurers offer combined liability policies
which are cost-effective and easier to manage.
+-
How quickly can liability cover be arranged?
In most cases, cover can be arranged the same day,
often within minutes once details are confirmed.