Office Insurance

Office insurance helps protect your all-important workspace from unexpected events and accidents. It can help restore a working environment as quickly as possible, covering your office premises, its contents, customers and employees.

Insurance solutions from Gallagher

Insurance solutions from Gallagher

Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. When getting a quote online you will be taken to Gallagher’s online site with a new privacy and cookie policy.

Get a quote for Office Insurance.

Get a quote for Office Insurance.

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What does Office Insurance cover?

Nothing is too small or insignificant in your office environment. Office insurance covers a combination of risks and factors to protect your business premises, its contents and those who work and visit there. 

Office Contents Insurance

Office contents insurance may cover a range of items including computers, electricals, desks and chairs. It can provide protection against theft or damage, helping you get back to business as usual. 

Buildings Insurance

Buildings insurance can help cover the damage costs incurred by an insured event, such as a fire or flooding. You may need this if you own your office building or require buildings insurance by the lease contract.

Public Liability Insurance

If a customer, contractor or visitor has an accident, injures themselves onsite, or causes damage to their property, they could claim compensation. Public liability insurance can offer you cover for legal claims and potential lawsuits.

Business Interruption Insurance

Unexpected events may happen that can temporarily disrupt the flow of work in the office. Business interruption insurance can offer financial cover for insured events, including loss of income. 

Employers’ Liability Insurance

Business owners may be legally required to secure employers’ liability insurance to protect the wellbeing of their staff. It can provide cover if employees are injured or fall ill during their working duties due to employers negligence.

Legal Expenses Cover

Legal expenses can come out of nowhere when you find yourself unprotected in unforeseen circumstances. This insurance can help defend your business in court and cover the cost of legal claims.

Keep in mind

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Need advice? Speak to an Insurance specialist

Need advice? Speak to an Insurance specialist

Call 0345 377 0001

Lines are open 9am to 6pm Monday to Friday excluding bank holidays.

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Do I need Office Insurance?

Office insurance offers protection for your business premises, helping to keep your workplace running smoothly if something unexpected happens. The office is often the focal point of a business’ productivity. Combining different types of coverage can offer peace of mind should your business meet unforeseen obstacles or experience an accident on site.

At a minimum, every business owner is likely to need Employers’ Liability insurance. You may also require building insurance and contents insurance in case of damages.

How much is Office Insurance?

Office insurance premiums can vary depending on the type of cover you need. 

These factors can include: 

  • Your line of work 
  • The size and location of your workplace
  • Equipment repair and replacement cost 
  • Number of employees
  • Whether customers, contractors or other third parties visit the office.

Why get Office Insurance?

Making sure your employees have a functional space to work in is an important part of running a business. If accidents or unexpected events happen, it’s good to know there is cover in place. Cover could include things like computers, smart phones, desks and chairs from loss, theft or damage. 

Office insurance can include Employers’ Liability insurance, which may be legally required to provide compensation if an employee is injured. Business interruption insurance can protect you from the costs caused by a temporary closure, or the increased costs of working from a different location, due to an insured event.

Does Office Insurance include working from home?

Working from home cover may depend on your policy. Office insurance can sometimes protect equipment used by an employee while working from home. If you work or keep stock or equipment at home, you may want to consider:

  • Home Contents Insurance – this can protect work equipment including laptops or business phones.
  • Car or Van Insurance – this may benefit you if you use a personal vehicle for company work.
  • Business Insurance – some insurance policies can cover stock and business equipment kept at home.

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Get in touch

Call 0345 377 0001

Lines are open 9am to 6pm. Monday to Friday, excluding bank holidays.

Existing customers 

Contact numbers for all your queries including details for making a claim.