BUSINESS COVER
Office Packages Insurance
Combined insurance packages designed for professional offices and service businesses.
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Everything Your Office Needs, One Policy
Running a professional office means managing multiple risks — from equipment damage and data loss to liability claims and business interruption. Our office package policies combine essential covers into one comprehensive, cost-effective policy. Tailored for professional services firms, consultancies, creative agencies, and other office-based businesses. For mainstream SME office packages without HNW or family-office characteristics, our commercial sister brokerage writes the same product at a different scale.
What's Included
Office Contents
Cover for furniture, IT equipment, stock, and business property including portable equipment.
Business Interruption
Lost revenue and increased costs if your office is damaged and you can't trade normally.
Public Liability
Cover for injury or damage claims from visitors, clients, and members of the public.
Employers' Liability
Compulsory cover for employee injury or illness arising from their work.
Cyber Extension
Optional cyber cover for data breaches, system attacks, and digital liability.
Legal Expenses
Cover for legal costs arising from employment disputes, contract disagreements, and tax investigations.
Why Office Insurance Needs to Be Comprehensive
All-in-One Cover
Contents, business interruption, public liability, employers' liability, and cyber cover in a single policy. No gaps between policies, no duplicate premiums, one renewal date.
Business Interruption
If an insured event forces you out of your office, your policy covers lost revenue, increased working costs, and temporary premises — keeping your business running while repairs are made.
Remote Worker Extension
With hybrid working now standard, we extend cover to include equipment and liability for employees working from home — a critical gap in many older office policies.
How We Build Your Office Package
1. Business Assessment
We review your office setup, headcount, equipment value, revenue, and client-facing activities to determine exactly which covers you need and at what levels.
2. Package Design
We build a single package policy that combines all essential covers — often at a lower total premium than buying each cover separately — with consistent terms and conditions throughout.
3. Annual Review
Businesses change. At each renewal, we reassess your headcount, revenue, equipment, and working arrangements to ensure your cover keeps pace with your growth.
Frequently Asked Questions
Typically: office contents, business interruption, public liability, and employers' liability. We can add cyber, legal expenses, and other covers as needed.
Yes, we can extend cover to include business equipment and liability for employees working remotely.
PI is usually a separate policy due to its specialist nature, but we can arrange both and bundle them for administrative simplicity.
Speak to a business broker
Get the right cover for Office Packages Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover