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Tech & digital workspace risks placed with leading UK insurers
INSURANCE FOR TECH & DIGITAL WORKSPACE BUILDINGS
Future-Focused Buildings Need Future-Focused Insurance
Tech and digital workspace buildings are more than just offices – they’re campuses, hubs and collaborative environments with high-spec fit-outs, shared amenities, complex networking infrastructure and fast-growing tenants.
Insure24 helps landlords, investors and operators protect campus-style buildings, flexible floorspace and innovation hubs with insurance aligned to the risks of digital businesses and technology-led occupants.
What’s Included in Tech & Digital Workspace Building Insurance?
Property and liability cover tailored for campus-style, tech-led and innovation environments.
Buildings & Physical Infrastructure
- Buildings insurance for full reinstatement value.
- Cover for fire, flood, escape of water, storm and impact damage.
- Shared amenities – meeting rooms, event spaces, collaboration zones.
- High-spec reception, atriums and communal areas.
- Lifts, HVAC, plant rooms and power infrastructure.
- External features such as bike stores, terraces and courtyards.
Operational, Tenant & Technology Risks
- Property Owners’ Liability for visitors, tenants and contractors.
- Business interruption / loss of rent following an insured event.
- Contents & landlord’s fixtures – reception tech, AV, furniture and fit-out.
- Employers’ Liability for on-site management and facilities staff.
- Optional cyber cover for building systems (access control, smart tech).
- Terrorism cover (where required by lenders or funders).
Who Is Tech & Digital Workspace Building Insurance For?
For owners and operators of campus-style, tech-led and innovation-focused buildings.
Types of Buildings Covered
- Tech campuses and digital business parks.
- Innovation hubs and incubator buildings.
- Creative and digital workspace buildings.
- Converted industrial to tech workspace schemes.
- Multi-tenant buildings with high-growth digital occupants.
- Buildings with shared lab-style or maker spaces (where acceptable to insurers).
Owners & Operators Typically Insured
- Property investors and commercial landlords.
- Campus and innovation district operators.
- Local authority or university-linked workspace schemes.
- Private-sector tech and digital workspace brands.
- Asset managers overseeing multi-building tech estates.
- REITs and funds specialising in tech-led real estate.
Key Risks for Tech & Digital Workspace Buildings
Where modern campus-style and digital workspace environments are exposed.
Property & Physical Risks
- Escape of water from high-density kitchenettes and services.
- Fire risks from server rooms, battery storage or creative spaces.
- Damage to high-spec communal areas and AV equipment.
- Storm and flood exposures on large campuses.
- Wear & tear from heavy use of shared spaces.
- Impact or accidental damage from deliveries and fit-outs.
Operational, Tenant & Tech Risks
- Slips, trips and falls in busy communal and event areas.
- Reliance on robust power and connectivity for tenants.
- Disruption to anchor tenants affecting rental income.
- Cyber exposures from smart building and access systems.
- Liability for events, meetups and community activity hosted on-site.
- Complex lease and licence structures across multiple tenants.
FREQUENTLY ASKED QUESTIONS
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How is a tech campus building different from a standard office for insurance?
Tech campuses often have higher-spec fit-outs, more shared amenities, dense tech infrastructure and
fast-growing tenants, which all influence how insurers view risk and structure cover.
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Can we insure multiple buildings on the same campus under one policy?
Yes – multi-location and campus-style schedules can be insured under a single programme, subject to
underwriting and limits.
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Do we need separate cyber insurance for building systems?
It’s increasingly recommended where access control, CCTV, HVAC and other systems are network-connected.
Cyber cover can complement property insurance in these environments.
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Can we include events and meetups held in the building?
Yes – subject to scale and nature of events, covers can be extended to include liability for events,
networking sessions and launch activities hosted within the building.
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Are lab-style or maker spaces insurable under this type of cover?
In many cases yes, but more detail is required on equipment, processes and safety controls. We discuss
these with underwriters to understand appetite and terms.
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Can we combine this with serviced office or managed workspace insurance?
Yes – many tech campuses operate flexible, serviced or managed spaces. Cover can be structured to
reflect your actual operating model across tenants and licences.