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Office Insurance Explained (UK)
Offices are often considered low-risk environments, but office-based businesses face a wide range of financial, legal and operational risks - from fire and flood to injury claims, cyber incidents and loss of income.
This guide explains what insurance an office needs in the UK, which covers are legally required, and which policies are strongly recommended to protect your business.
Legally Required Office Insurance
Employers’ Liability Insurance
Employers’ liability insurance is a legal requirement in the UK if your office employs anyone - including part-time, temporary or casual staff.
- Covers employee injury or illness
- Minimum £5 million cover required by law
- Fines for non-compliance can be significant
Essential Office Insurance (Strongly Recommended)
Public Liability Insurance
Protects your business if a visitor, client or contractor is injured at your office or their property is damaged.
- Slip, trip and fall claims
- Customer and visitor injuries
- Often required by landlords or contracts
Office Contents & Equipment Insurance
Covers office furniture, computers, servers, phones and other equipment against fire, flood, theft and accidental damage.
- IT equipment and furniture
- Portable equipment options
- Accidental damage extensions available
Protecting Office Income
Business Interruption & Loss of Income Insurance
Business interruption insurance replaces lost income and covers ongoing costs if your office cannot operate following an insured event.
- Loss of revenue or gross profit
- Rent, wages and fixed costs
- Critical for business survival
Additional Insurance Offices May Need
- Cyber & Data Protection Insurance
- Professional Indemnity Insurance
- Directors’ & Officers’ Liability
- Legal Expenses Insurance
- Money & Theft Cover
The Simple Option: Combined Office Insurance
Rather than buying separate policies, many businesses choose a combined office insurance package that brings all essential covers together.
- One policy, one renewal date
- Lower overall premiums
- Fewer coverage gaps
- Simpler administration
FREQUENTLY ASKED QUESTIONS
+- Is office insurance legally required in the UK?
Only employers’ liability insurance is legally required if you employ staff.
Other covers are optional but strongly recommended.
+- Do small offices need insurance?
Yes. Small offices face many of the same risks as larger businesses and can
still be held liable for accidents or losses.
+- What insurance do landlords require for offices?
Landlords often require public liability insurance and may specify minimum
cover limits in lease agreements.
+- Is cyber insurance necessary for offices?
Increasingly, yes. Offices handling client data or using cloud systems are
exposed to cyber risks.
+- What is the best insurance option for offices?
For most businesses, a combined office insurance package provides the most
comprehensive and cost-effective protection.