Office insurance

Hiscox office insurance is a combined policy. It can include different types of property cover. Together, these separate products can protect your office from a range of threats.

Office insurance can bring together:

• Business contents insurance
• Commercial property (buildings) insurance
• Portable equipment insurance
• Equipment breakdown.

Need guidance on how these products fit together? Contact our customer service team for more information.

You need to have business contents cover to add commercial buildings insurance.

These help you stay protected from:

• Damage to the office itself (if cover for buildings is purchased)
• Loss, damage or theft of equipment and furniture inside.

It’s also possible to add portable equipment cover or tool insurance at any time. These are both types of 'property away and in transit insurance', so you would only need one or the other. They can protect your kit while it’s away from the office.

Travel frequently? There’s also the option to buy ‘property away and in transit insurance’ as a standalone cover.

You can also add equipment breakdown insurance once you have contents and/or portable equipment cover in place. This add-on is for the electrical or mechanical breakdown of items in your office (wear and tear is not covered). For example, if your server goes down due to an electrical fault.

Together, these office insurance products can help protect your business.

Tailored office insurance coverage can help if there’s a:

• Break-in
• Fire.

Your business’ policy can step in to pay for:

• Equipment repairs
• Replacements
• Rebuilding work
• Damage costs. 

Does your small business have a physical office space? If so, you might find you need insurance. It helps to secure both the building and what’s inside. 

Office premises insurance can help cover lost or damaged equipment. So, you can keep doing what you do best.

How much business office insurance you may need will depend on the:

• Nature of your business
• Types of assets you have
• Way you use equipment.

Whether you own or rent your office also makes a difference. You might need more cover – including buildings insurance – if the space is yours.

With Hiscox, it’s possible to tailor your policy. This way, you can get the coverage you need. To explore how much cover you could need, a good starting point is to calculate the total value of your assets.

Once you have all the details, you can get an office insurance quote. Our UK-based experts will work with you to find out what you need. They’ll help you to build the right level of insurance coverage for you.

Need to change your policy at a later date? We can action this with no admin fee. Your policy premium may go up or down. 

The following is covered by Hiscox office contents insurance: 

• Up to the replacement value you select to repair or replace accidentally lost, damaged or stolen contents contained in your office
• Replacing and boarding-up following glass breakage. Costs can be covered up to £10,000
• Repairing damage to your office building caused by theft or attempted theft - up to £10,000
• The loss of, or damage to, money belonging to the business while it is in the office. This may be up to £5,000, or up to £2,500 at an employee’s home
• Restoring destroyed documents and electronic data - up to £5,000. A backup must be made at least once a week.

Note that contents insurance is just one part of office insurance. Coverage will vary depending on the products you add.

We will not make any payment for:

• Damage caused by wear and tear. Or inherent defect, rot, fungus, mould, vermin or infestation. Or any gradually operating cause
• Claims to any item resulting from its own breakdown
• Claims resulting from a rise in the water table
• Claims from coastal or river erosion
• Loss caused by fraud or dishonesty or any partner, director or employee of yours, unless notified to us within ten working days of its discovery
• Damage occurring while the premises are unoccupied, unless agreed by us in writing
• The amount of the excess.

Note that contents insurance is just one part of office insurance.

Please refer to the policy documents for the full details of inclusions and exclusions of this cover. Policy documents are available when purchasing online. You can also contact our customer services team for more information.