Shared Workspace & Co-Working Space Insurance

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Specialist insurance for co-working spaces, serviced offices and shared business hubs

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We compare shared workspace insurance from leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Shared Workspaces & Co-Working Operators

Shared workspaces and co-working offices operate very differently to traditional single-tenant offices. With multiple businesses, freelancers, visitors and members using the same space every day, the risk profile is significantly higher.

Insure24 provides specialist shared workspace insurance designed to protect operators against public liability claims, property damage, business interruption, employer risks and contractual exposures arising from flexible occupancy arrangements.

Why Standard Office Insurance Is Often Not Enough

Many insurers treat co-working spaces as standard offices - which can leave serious gaps in cover. Shared kitchens, hot-desking, meeting rooms, events, and short-term licences all increase liability exposure.

  • High daily footfall from members and visitors
  • Multiple occupiers under licence to occupy
  • Shared kitchens, breakout and event spaces
  • Hot-desking and flexible seating
  • Events, networking and third-party hire

Core Insurance Covers for Co-Working Spaces

  • Public Liability – injury to members, guests or visitors
  • Property Insurance – buildings, contents and fit-out
  • Employers’ Liability – required if you employ staff
  • Business Interruption – loss of income after insured events
  • Management Liability – directors’ and officers’ risks
  • Cyber & Data Insurance – shared networks and Wi-Fi

Public & Third-Party Liability Risks

Public liability is one of the most critical covers for shared workspace operators. Slips, trips, spills and accidents in communal areas can quickly lead to large claims.

  • Slip and trip accidents in communal areas
  • Injuries during events or networking sessions
  • Damage to members’ laptops or equipment
  • Hot drink and kitchen-related accidents
  • Visitor injury claims

Property & Business Interruption Protection

Co-working spaces are heavily dependent on their premises being operational. Fire, flood or escape of water can force temporary closure and loss of membership income.

  • Buildings and landlord fit-out (where applicable)
  • Furniture, fixtures and shared equipment
  • Loss of membership and desk revenue
  • Alternative accommodation costs
  • Reputation and retention risks after closure

Who This Insurance Is Designed For

  • Co-working space operators
  • Serviced office providers
  • Business hubs and innovation centres
  • Shared studio and creative spaces
  • Flexible workspace landlords
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Insure24 understood the risks of our co-working space immediately. They arranged cover that actually reflected how we operate.

Founder – UK Co-Working Space

FREQUENTLY ASKED QUESTIONS

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Is co-working space insurance different to normal office insurance?

Yes. Shared workspaces have higher public liability, property and contractual risks due to multiple occupiers and high footfall.

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Do members need their own insurance?

Members are usually responsible for their own business insurance, but the operator remains responsible for communal areas and facilities.

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Is employers’ liability insurance required?

Yes. Employers’ liability insurance is legally required if you employ staff, including reception, cleaning or management personnel.

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Does insurance cover events held in the space?

Yes, provided events are disclosed and included within your public liability cover. Some higher-risk events may require extensions.

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How quickly can cover be arranged?

In most cases, shared workspace insurance can be arranged quickly, often within the same working day.

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