Your office building is damaged or destroyed
For example:
A pipe bursts and causes structural damage
A car crashes into your wall
What is office insurance?
Commercial office insurance offers financial protection for office buildings, equipment, staff and visitors. It can be taken out by the owners of commercial buildings and by the businesses that rent space in them.
It will generally cover:
Damage and loss of commercial buildings and contents
Business interruption and office closures
Accidents and injuries that happen on-site
When would I need office insurance?
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Your office contents is damaged or destroyed
For example:
A fire breaks out and singes your desks
An employee spills coffee on an expensive piece of equipment
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Your office is broken into and items stolen
For example:
A thief breaks a window to access your property
Burglars steal your stock and tools
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Your office is inaccessible
For example:
A fire causes damage that takes weeks to repair
A health crisis leads to government restrictions
What does office insurance cover?
Office insurance can include a range of different insurance products. Some common ones are:
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Property damage
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Equipment and contents
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Business interruption
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Legal expenses
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Workplace injuries
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Members of the public
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Product liability
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Professional negligence
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Fire, flood, theft
What's excluded from office insurance?
Intentional harm or damage (including by employees)
Wear and tear
Breach of contract
đź’ˇ Top tip: Different policies have different exclusions. Always check your documents.
How many business claims are accepted?
88%^
What are the different types of office insurance?
Buildings insurance for offices
Protects the physical structures of your office - the floors, ceilings, walls etc.
Pays out if damage is caused by insurable events such as fire and flood (including burst pipes).
Contents insurance for offices
Protects the stuff inside your office, such as equipment and furniture. Anything that can be moved counts as content.
Pays out for insurable events including storms, fires and break-ins.
Business interruption insurance
Protects you against financial losses if your business operations are disrupted or discontinued.
Pays out if you cannot use your office because of an insurable event like emergency building repair work.
Bulgulary and theft
For insurance purposes, these terms mean slightly different things:
Burglary - entry is forced into your office in order to steal from it
Theft - items are stolen without the use of force
Office insurance covers burglary as standard. But there may be some restrictions on theft cover for some policies. Cash is sometimes not covered. Stealing by employees might not be either.
Accidental damage
Protects your office contents from damage caused by human error,
Accidental damage is not always covered as standard on office insurance policies. If it is not is can usually be added on for a fee.
Fixtures and fittings
Fixtures are items that cannot be moved from the building, such as plumbing systems or built in kitchens.
Fittings are items that could be moved, and include items like window blinds, carpets (apart from fitted carpets) and free-standing appliances.
Fixtures usually belong to the owner of the office building and are are covered by office buildings insurance. Fittings are more often owned by the office tenant and covered by office contents insurance.
Office computer faults and cyber security
Protection against IT issues and cybersecurity risks may require a specialist insurance policy.
đź“Ł Did you know?
ÂŁ109 million^ in weather damage and business interruption
This is how much insurance companies paid out to businesses in 2025, according to the Association of British Insurers (ABI). That is a 7% increase on last year.
How much does office insurance cost?
Insurance prices are tailored to match your individual circumstances. The key factors insurers will look at are:
Business size, number of employees and turnover
Office contents value
Industry type
Business location
Insurance cover type
Claims history
đź’ˇ Top tip: Insurers set their prices based on risk. The more likely they think you are to claim, or the more expensive it would be for them if you did claim, the higher your price.
How do I choose the right insurance for my office?
Answering the following questions may help you choose between products:
What risks does my business face?
What is the relative likelihood of each of these risks?
How bad would the impact of these risks happening to my business be?
How much financial loss could my office absorb if there was an unexpected problem?
What financial or legal responsibilities would I have if something went wrong?
How much can I afford to pay for insurance?
Our expert says…
Half of businesses reported experiencing a cyber security breach or attack in the last 12 months. As well as protecting physical assets like property and equipment damage, office insurance provides cover against cyber threats and vulnerabilities - giving you comprehensive protection for your business and office. Â
Comparing business insurance policies online with MoneySuperMarket is the easiest way to find the best deal when looking for cover for your office. You’ll have a range of options to choose from so you can tailor your policy to your business’s specific needs and requirements.
Jake Edmonds Travel & Commercial Insurance Expert
Other types of business insurance
As well as protecting your office structures and content, you can protect your office from liability costs:
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Employers' liability
âś” Harm to office staff
âś” Damage to employee property
âś” Legal fees
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Public liability
âś” Harm to office visitors and the public
âś” Harm to third party property
âś” Legal fees
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Professional indemnity
âś” Harm to clients
âś” Professional mistakes
âś” Legal fees
Is office insurance a legal requirement?
You are only legally required to purchase one type of business insurance: employers liability insurance if you have staff members. You can be fined ÂŁ2,500 for every day you go without this insurance.
All other types of business insurance are optional.
Do I need office buildings insurance if we rent our office?
No. It is the responsibility of the building's owner to purchase buildings insurance.
Buildings insurance will only cover the structures of the building. To protect your equipment, furniture and other contents, you must purchase your own office insurance.
Can I purchase office insurance if I work from home?
Yes, you can.
It's worth first checking what your standard home insurance will cover. The structures of your home should be protected by your standard home building insurance. Equipment that is used for business is often excluded from standard home insurance policies but some will protect 'clerical' work such as typing on a laptop and taking business calls.
➡️ Read more: Is working from home covered by my home insurance?
Do I need insurance against cyber crime?
It may be a worthwhile investment. Cyber attacks are common: 43% of businesses experienced one in 2025, according to government statistics.
For the UK businesses that lost money to cybercrime last year, the average reported loss was ÂŁ10,000.
Do I need professional indemnity insurance for my office?
Professional indemnity insurance protects you if your business makes a mistake that costs your clients money. It covers legal fees and compensation costs for incidents such as professional negligence, defamation and breach of copyright.
Professional indemnity insurance is not a legal requirement. However, it can give you useful financial protection if you:
Offer a professional service
Give advice to clients
Have access to client data
Have access to copyrighted material
Give advice that could cause damage to a client’s property
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is business insurance eligible for SuperSaveClub and rewards?
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Who are Simply Business?
Simply Business is one of the largest insurance brokers in the UK. They work with leading and specialist insurers to provide cover for small business owners, landlords and self-employed workers.
MoneySuperMarket has a commercial partnership with Simply Business. They offer various business and landlord insurance policies from different insurers through our platform, allowing our customers to find affordable quotes and policies that suit your specific needs.
Reviewed on 10 Dec 2025 by
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
Percentage of business insurance claims made by MoneySuperMarket customers in the last 12 months that were accepted. Data provided by SimplyBusiness.
Source: Association of British Insurers https://www.abi.org.uk/news/news-articles/2025/5/q1-property-premiums-and-claims-data/