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Insurance for Managed & Serviced Offices
Managed and serviced offices operate differently to traditional leased offices. With flexible licences, shared facilities and multiple occupiers, insurance responsibilities are often split between the office operator and the businesses using the space.
Insure24 provides specialist managed and serviced office insurance designed to protect office operators, workspace providers and occupiers against liability, property damage and operational risks.
Whether you run a serviced office centre or occupy space within one, understanding what insurance you need - and what is already provided - is essential.
What Is a Managed or Serviced Office?
A managed or serviced office provides furnished workspace with shared facilities such as reception areas, meeting rooms, kitchens and IT infrastructure.
- Flexible licence agreements rather than long leases
- Shared communal areas and facilities
- Multiple businesses under one roof
- Operator-managed services and maintenance
Who Needs Managed Office Insurance?
Office Operators & Workspace Providers
- Serviced office and business centre operators
- Flexible workspace providers
- Landlords offering managed office solutions
- Coworking and shared office spaces
Office Occupiers & Tenants
- SMEs using serviced offices
- Start-ups and scale-ups
- Consultancies and professional firms
- Remote and satellite offices
What Does Managed & Serviced Office Insurance Cover?
Public & Occupiers’ Liability
Covers injury to visitors, clients or occupiers, and damage to third-party property within communal or managed areas.
- Slip and trip incidents
- Injuries in communal areas
- Damage caused by fixtures or fittings
Contents & Office Equipment
Protects furniture, fixtures, IT equipment and office contents owned by the operator or the occupier.
- Desks, chairs and meeting room furniture
- Computers, servers and networking equipment
- Reception and shared facilities
Additional Risks for Managed Offices
- Business interruption following fire or flood
- Theft or vandalism in shared spaces
- Cyber risks from shared networks
- Disputes over responsibility for losses
Licence Agreements & Insurance Responsibilities
Managed and serviced offices usually operate under licence agreements, which clearly define insurance responsibilities between the operator and occupier.
Operator Responsibilities
- Building and communal area insurance
- Public and occupiers’ liability
- Core fixtures and shared contents
Occupier Responsibilities
- Business contents and equipment
- Employers’ liability (if staff employed)
- Professional or cyber liability
FREQUENTLY ASKED QUESTIONS
+-Who is responsible for insurance in a serviced office?
Responsibility is usually split between the operator and occupier, as defined in the licence agreement.
+-Do occupiers still need their own insurance?
Yes. Occupiers typically need cover for their contents, staff and business liabilities.
+-Is public liability included automatically?
Operators usually carry public liability for communal areas, but occupiers may need their own cover for their activities.
+-Are coworking spaces covered the same way?
Coworking spaces face similar risks but often require tailored insurance due to higher footfall and shared use.
+-Can cover start immediately?
Yes. Cover can usually start immediately once your quote is accepted and payment is confirmed.