My Account
Workspace and office building risks placed with major UK insurers
INSURANCE FOR SERVICED OFFICE BUILDINGS & MANAGED WORKSPACES
Flexible Workspaces Need Flexible Insurance
Managed workspaces, serviced offices and co-working hubs have unique risk profiles - high footfall, frequent tenant turnover, varied business activities, and extensive communal facilities. Unlike standard office premises, operators must consider both landlord and operator exposures.
Insure24 provides specialist cover for buildings, business interruption, public liability, tenant risks, technology infrastructure, and shared amenities across modern workspace environments.
What’s Included in Serviced Office & Managed Workspace Insurance?
Comprehensive protection for multi-tenant commercial workspace operators.
Landlord & Building Protection
- Buildings insurance for the full reinstatement value.
- Damage from fire, flood, escape of water and storms.
- Communal areas, lobbies, kitchens, meeting rooms and shared facilities.
- Plant rooms, lifts, HVAC systems and electrical infrastructure.
- Trace & Access for hidden leaks.
- Terrorism cover (optional).
Operational & Tenant-Facing Protection
- Public liability for visitors, tenants and contractors.
- Contents & fit-out insurance for operator-owned assets.
- Business interruption for loss of income from workspace memberships or licences.
- Employers’ liability for onsite staff.
- Breakout areas, lounges, cafeteria and communal spaces.
- Technology infrastructure including WiFi, smart locks and access control systems.
Who Is This Insurance For?
Designed for owners and operators of modern multi-tenant workspaces.
Workspace Types Covered
- Serviced office buildings.
- Co-working and shared office spaces.
- Managed office floors and flex-space operators.
- Hybrid workspace models.
- Business centres.
- Workspaces with mixed office and meeting room use.
Ideal For
- Property investors and commercial landlords.
- Workspace management companies.
- Co-working brands and operators.
- Operators with multiple UK or international sites.
- Office buildings with high tenant rotation.
- Flexible workspace providers offering memberships or licences.
Key Risks for Serviced Offices & Managed Workspaces
Modern workspace environments carry unique risks due to constant tenants, high footfall & shared facilities.
Property Risks
- Burst pipes, leaks and escape of water.
- Storm, flood or weather-related damage.
- Damage to shared kitchens, meeting rooms and corridors.
- Wear & tear from high-frequency use.
- Fire risks in multi-tenant environments.
- Damage to operator-owned fittings and furniture.
Operational & Liability Risks
- Slips, trips and falls in communal areas.
- Damage caused by tenants or visitors.
- Cyber risks from shared WiFi or access systems.
- Power, heating or cooling failures affecting business continuity.
- Liability for contractors and tradespeople on site.
- Loss of income if the building becomes unusable.
FREQUENTLY ASKED QUESTIONS
+-
Does this cover damage caused by tenants?
Yes - accidental damage caused by tenants can be covered depending on the policy structure.
+-
Can we insure communal areas and shared facilities?
Yes - communal areas such as meeting rooms, lounges, kitchens, corridors and reception areas are typically included.
+-
Is loss of income included?
Business interruption cover can include workspace membership, licence fees and rental income.
+-
Do we need Employers’ Liability?
If you employ reception, management or cleaning staff, Employers’ Liability is a legal requirement.
+-
Does this insurance include cyber cover?
Cyber insurance can be added to protect against data breaches, ransomware, shared WiFi risks and access-control vulnerabilities.
+-
Can you cover multiple locations under one policy?
Yes - insurers can provide multi-site cover for operators with several workspace locations.
+-
How quickly can we arrange cover?
Cover can often be arranged very quickly depending on building size, occupancy and risk profile.