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We work with leading UK public-sector insurers
INSURANCE FOR GOVERNMENT & PUBLIC SECTOR OFFICE BUILDINGS
Protecting high-footfall, mission-critical public buildings
Local authority and central government buildings face higher liability exposure, cyber threats, safeguarding responsibilities and operational continuity requirements.
Why specialist public sector building insurance is essential
Public buildings often operate extended hours, host sensitive data, receive high visitor traffic, and support essential government operations. Standard commercial cover may be insufficient.
- High public footfall & increased liability exposure
- Security and terrorism-related risks
- Protection of government employees & visiting citizens
- Business continuity for essential services
- Safeguarding internal IT & citizen data
- Compliance with public sector procurement standards
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What Public Sector Building Insurance Covers
Suitable for both local authority and central government buildings.
Core cover includes:
- Buildings & contents (commercial grade)
- Public liability & occupiers’ liability
- Employers’ liability for government employees
- Terrorism cover (where required)
- Property damage (fire, flood, escape of water, storms)
- Business interruption for essential services
Optional extensions:
- Cyber insurance for government systems
- Engineering & plant breakdown
- Lift & escalator cover
- Smart building & BMS cover
- Security guard liability & protection services
- Loss of documentation & data compromise
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Common Public Sector & Government Building Risk Scenarios
Incidents regularly seen across civic and government offices.
Typical exposures include:
- High footfall slips, trips & public injury claims
- Security breaches or forced entry attempts
- Water damage from ageing pipework
- Cyber compromise of internal IT systems
- Lift or plant room breakdowns affecting staff & citizens
- Electrical faults in older civic buildings
Ideal for:
- Local authority office buildings
- Government-owned administrative offices
- Public-facing civic centres
- Court buildings & municipal facilities
- Public administration and policy buildings
- Government agency premises
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“Insure24 helped us put in place a modern, compliant insurance programme for our council offices - covering building risks, cyber and public liability.”
Head of Estates – Local AuthorityFREQUENTLY ASKED QUESTIONS
+>- Are public sector buildings insured differently to private offices?
Yes. Public buildings face higher liability exposure, increased regulatory requirements, and in many cases additional security and cyber risks.
+>- Can terrorism cover be included?
Yes. Public sector buildings frequently request terrorism cover as part of their insurance specification. It can be added depending on location and requirements.
+>- Do you work with council procurement teams?
Yes. We assist procurement departments in structuring insurance schedules, tender responses, and multi-building programmes.
+>- Can you cover multiple buildings under one programme?
Yes. We can cover individual civic buildings or entire council estates under a consolidated policy.