Office Contents Insurance
Protect the equipment and contents your business depends on — from IT systems and furniture to important documents and records.
What's Covered
Office contents insurance protects the physical assets your business relies on every day, ensuring you can recover quickly from unexpected events.
IT Equipment
Covers computers, laptops, servers, monitors, printers, and networking equipment against theft, fire, flood, and accidental damage.
Furniture & Documents
Protects desks, chairs, shelving, partitions, tenant's improvements, and the cost of recreating important business documents and records.
Business Interruption
Covers lost income and the additional cost of working from alternative premises while your office is being repaired or replaced.
Increased Cost of Working
Pays the extra expenses of maintaining your business operations from temporary premises, including additional rent, utilities, and IT setup costs.
Money Cover
Covers cash, cheques, and payment vouchers held on your premises, in your safe, or in transit to the bank against theft and loss.
Remote Working Equipment
Extends cover to business equipment used by employees at home or in transit, protecting laptops, monitors, and peripherals wherever they are used.
Benefits of Office Contents Cover
A single incident can disrupt your entire operation. The right cover means your business keeps moving.
Rapid Replacement
Get damaged or stolen equipment replaced quickly so your team can get back to work with minimal downtime and disruption.
New-for-Old Cover
Many policies offer new-for-old replacement, meaning you receive the cost of brand-new items rather than a depreciated value.
Flexible Extensions
Add cover for portable equipment, data recovery, money, and increased cost of working to match your specific business needs.
Frequently asked questions
Does office contents insurance cover employees working from home?
Standard policies cover items at your declared business address. However, cover can be extended to include business equipment used by employees working from home — such as laptops, monitors, and office chairs. This is increasingly important with hybrid and remote working arrangements.
Is portable equipment covered outside the office?
Portable equipment such as laptops, tablets, and mobile phones can be covered under a portable equipment extension, protecting them against theft, loss, and accidental damage anywhere in the UK and, if required, worldwide. This is essential for staff who travel or work from multiple locations.
Does office insurance cover data recovery costs?
Yes. Many office contents policies can be extended to include the cost of recovering, restoring, or recreating data and software following damage to IT equipment, a system failure, or a cyber incident. This complements — but does not replace — a standalone cyber liability policy.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.