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Insurance Designed for Small Offices & SMEs
Small offices and SME office-based businesses face a wide range of risks - from fire and theft to data breaches, employee injuries and business interruption. Even modest offices can suffer significant financial loss following an unexpected incident.
Small Office & SME Office Insurance from Insure24 provides tailored protection for professional firms, consultancies, agencies, start-ups and office-based SMEs, helping you safeguard your premises, equipment, people and income.
Essential Covers for Small Office Businesses
Office Contents & Equipment Insurance
Covers office contents such as desks, computers, servers, phones and specialist equipment against loss or damage.
- Computers, laptops and monitors
- Office furniture and fixtures
- Damage from fire, flood or theft
- Optional accidental damage cover
Public Liability Insurance
Protects your business if a visitor, client or contractor is injured or their property is damaged at your office premises.
- Slip, trip and fall claims
- Client and visitor injuries
- Damage to third-party property
- Typical limits £1m – £5m
Employers’ Liability Insurance
Employers’ liability insurance is a legal requirement if you employ staff, even on a part-time or temporary basis.
- Mandatory if you employ anyone
- Covers employee injury or illness
- Minimum £5m cover by law
Business Interruption Insurance
Helps replace lost income and ongoing costs if your office cannot operate following an insured event.
- Loss of revenue following fire or flood
- Ongoing rent and wage costs
- Temporary relocation expenses
Additional Risks Faced by Office-Based SMEs
- Cyber attacks and data breaches
- Loss of confidential client data
- Professional negligence claims
- Damage to leased office premises
- Theft of portable equipment
Optional Covers for Small Offices
- Cyber & Data Protection Insurance
- Professional Indemnity Insurance
- Legal Expenses Insurance
- Directors’ & Officers’ Liability
- Portable Equipment Cover
FREQUENTLY ASKED QUESTIONS
+- What is small office insurance?
Small office insurance is a package policy designed to protect office-based SMEs against property damage,
liability claims, employee injuries and business interruption.
+- Do small offices need employers’ liability insurance?
Yes. Employers’ liability insurance is legally required if you employ anyone,
including part-time or temporary staff.
+- Is cyber insurance important for small offices?
Yes. Small businesses are increasingly targeted by cyber criminals,
making cyber insurance an important consideration.
+- Can insurance cover rented or serviced offices?
Yes. Policies can be tailored for leased, rented or serviced office premises.
+- Is small office insurance expensive?
Small office insurance is usually affordable and can be tailored to suit your size,
turnover and risk profile.