BUSINESS INSURANCE
Office Insurance
Office Insurance for UK Businesses — Comprehensive Cover from Chartered Insurance Brokers
Whether you operate from a single-room workspace or a multi-floor commercial office, protecting your premises, contents, and staff is essential.
At Grove & Dean, we offer specialist Office Insurance tailored to meet the exact needs of your business, from small startups to established firms across the UK.
As a Chartered Insurance Broker, we combine decades of industry experience with market-leading insurers to offer bespoke cover, flexible options, and personal service. We’re here to help you secure peace of mind, so you can focus on running your business.
Call our specialist office insurance team on: 01708 436 811
What Is Office Insurance?
Office Insurance is a specialist business insurance policy designed to protect your office premises, equipment, staff, and liability exposure.
It provides financial protection if your business suffers unexpected damage, disruption, or legal claims.
Most policies combine several types of cover into one package, allowing you to tailor protection that fits your exact office setup and risk profile.
What’s Typically Included?
We build every policy around your specific business. Here’s what your Office Insurance might include:
| Cover Type | What It Covers |
|---|---|
| Office Contents Insurance | Replacement costs for office equipment, furniture, IT gear, and stock. |
| Public Liability Insurance | Protection if a visitor is injured or property is damaged while on your premises. |
| Employers’ Liability | Mandatory by law if you have employees — covers injury or illness claims. |
| Equipment Breakdown | Covers damage or failure of computers, servers, air con, phone systems, etc. |
| Business Interruption | Helps cover lost income if your office becomes unusable due to an insured event. |
| Buildings Insurance | Covers the structure of your office if you own it, including walls, roofs, etc. |
| Legal Expenses Cover | Legal costs for contract disputes, tax investigations, and employee claims. |
We can also include cyber insurance, personal accident cover, and portable contents cover for remote or hybrid workers.
Who Needs Office Insurance?
You need Office Insurance if:
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You operate from a rented or owned office
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You store valuable tech or equipment onsite
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You employ staff or meet clients at your premises
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You want to protect your income against disruption
Whether you're a solicitor, architect, marketing agency, IT firm, accountant or start-up business, Grove & Dean offer tailored protection to suit your operations.
Why Choose Grove & Dean?
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FCA authorised & Chartered Insurance Broker
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Decades of commercial insurance experience
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UK-based customer support
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Flexible, affordable, custom-built cover
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Access to leading UK insurers with specialist rates
We work for you, not the insurer, so your interests come first, every time.
How can we help you?
Fill in our form and a member of our insurance team will contact you to answer your enquiry.
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How can we help you?
Fill in our form and a member of our insurance team will contact you to answer your enquiry.
Thank you
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What does office insurance cover?
Office insurance covers damage, theft or loss of your office contents, plus liabilities to staff and visitors, equipment breakdown, legal claims, and more.
Do I need office insurance if I work from home?
Yes. If you run a business from home, standard home insurance won’t usually cover work-related items or liability. A tailored office policy can extend to cover home-based setups.
Is office insurance legally required?
Public liability and contents cover aren’t mandatory by law, but Employers’ Liability insurance is a legal requirement if you have staff.
How much does office insurance cost?
Costs depend on your office size, number of employees, location, cover levels and claims history.
For the best office insurance policy tailored to your needs call us on: 01708 436 811.
Can I cover laptops and portable equipment?
Absolutely. We can include portable contents insurance for laptops, phones, and devices used off-site by remote or hybrid workers.
What if I rent my office?
No problem. We'll ensure your contents and business liabilities are protected and if your lease requires tenants’ improvements insurance, we can handle that too.
