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We compare office theft & vandalism cover from leading UK insurers
Insurance for Office Theft, Burglary & Malicious Damage
Office premises are increasingly targeted for theft and vandalism, particularly outside business hours. Computers, laptops, servers, phones and office equipment are attractive and easily resold items.
Office theft & vandalism insurance protects your business against financial loss caused by burglary, forced entry and malicious damage, helping you recover quickly after an incident.
Why Offices Are at Risk of Theft & Vandalism
Even low-risk office environments face growing exposure due to portable technology, shared access arrangements and empty buildings overnight or at weekends.
- Laptops, monitors and IT equipment theft
- Break-ins outside business hours
- Shared access in serviced offices
- Vandalism and malicious damage
- Targeting of empty or flexible offices
What Does Office Theft & Vandalism Insurance Cover?
- Theft following forced or violent entry
- Malicious damage and vandalism
- Damage to doors, locks and windows
- Stolen office contents and equipment
- Repair and reinstatement costs
Common Theft & Vandalism Claims in Offices
Office insurance claims are often linked to access control, storage practices and out-of-hours security.
- Laptop and desktop computer theft
- Server or network equipment stolen
- Graffiti and malicious internal damage
- Forced entry damage to doors and glazing
- Theft from shared or co-working spaces
Security Requirements & Policy Conditions
Theft insurance policies usually include security conditions that must be met for claims to be valid.
- Approved door and window locks
- Intruder alarms (where required)
- Secure storage of portable equipment
- Key and access control procedures
- Compliance with insurer warranties
Who Needs Office Theft & Vandalism Insurance?
- Commercial office occupiers
- Serviced office operators
- Shared workspace and co-working spaces
- Business centres and managed offices
- Office landlords with contents exposure
After a break-in, Insure24 helped us get back up and running quickly. The claim process was straightforward and well explained.
Operations Manager – UK Office BusinessFREQUENTLY ASKED QUESTIONS
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Does office insurance cover theft?
Theft is usually covered when there is evidence of forced or violent entry,
subject to policy terms and security conditions.
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Is vandalism covered even if nothing is stolen?
Yes. Malicious damage and vandalism are typically covered even if
no theft occurs.
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Are laptops covered outside the office?
Portable equipment may require a separate all-risks or equipment cover
for use outside the premises.
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Do co-working spaces need higher theft cover?
Often yes. Shared access and multiple occupiers increase theft risk
and may require higher limits or enhanced security.
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How quickly can theft & vandalism cover be arranged?
In most cases, cover can be arranged quickly,
often within the same working day.
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Does office insurance cover theft?
Theft is usually covered when there is evidence of forced or violent entry,
subject to policy terms and security conditions.
+-
Is vandalism covered even if nothing is stolen?
Yes. Malicious damage and vandalism are typically covered even if
no theft occurs.
+-
Are laptops covered outside the office?
Portable equipment may require a separate all-risks or equipment cover
for use outside the premises.
+-
Do co-working spaces need higher theft cover?
Often yes. Shared access and multiple occupiers increase theft risk
and may require higher limits or enhanced security.
+-
How quickly can theft & vandalism cover be arranged?
In most cases, cover can be arranged quickly,
often within the same working day.