Office combined insurance brings several important protections for an office-based business into one policy. Cover can be arranged for contents, computers, buildings where required, business interruption, liabilities and portable equipment, helping you protect both the premises and the day-to-day operation of the business.
- Office Contents & Furniture
- Computers & Electronic Equipment
- Buildings Cover Where Required
- Business Interruption
- Public Liability
- Employers’ Liability
- Money & Cash Cover
- Glass & Signage
- Portable Equipment Away From The Office
- Stock, Samples & Business Property
- Legal Expenses
- Accidental Damage Options
What Is Office Combined Insurance?
Office combined insurance is a package policy for office-based businesses that brings several types of commercial cover together under one policy. Rather than arranging separate policies for every risk, a business can select the sections it needs for its premises, contents, equipment, liabilities and interruption exposures.
The policy is not a fixed bundle. The right combination depends on whether you own or rent the premises, the value of computers and office equipment, how many people you employ, whether visitors attend the office and how long the business could continue if the premises became unusable.
What Can Office Combined Insurance Cover?
Cover can be arranged around the risks that apply to your office, including:
- Office contents, furniture, fixtures and fittings
- Computers, servers, printers, telephone systems and other electronic equipment
- Buildings insurance where the business owns the property or is responsible for insuring it
- Business interruption following an insured event, subject to the selected policy terms
- Public liability for injury or property damage claims involving visitors or third parties
- Employers’ liability where the business has employees
- Money, glass, signs, stock, samples and portable equipment where these sections are required
Professional indemnity and cyber insurance are different risks and are not automatically included in every office combined policy. If your business provides advice, handles client data or depends heavily on digital systems, these covers should be considered separately rather than assumed to be part of the package.
Who Is Office Combined Insurance Suitable For?
Office combined cover can suit many businesses whose main operations are carried out from an office, including:
- Accountants and bookkeepers
- Estate and letting agents
- Recruitment and employment agencies
- Marketing, design and creative agencies
- IT and software businesses
- Management and business consultancies
- Property management companies
- Financial and professional service firms
- Charities, associations and membership organisations
- Head offices and administrative centres
Why Arrange Office Combined Insurance With West Craven Insurance?
- Over 30 years of commercial and industrial insurance experience
- Policies can be shaped around the actual risks within your office
- Support for both straightforward and more complex office insurance requirements
- No call centres or automated telephone systems
- Experienced staff who can explain cover, limits and exclusions clearly
- Over 150 five-star customer reviews
Office Combined Insurance FAQs
What does office combined insurance cover?
Office combined insurance can bring together cover for office contents, computer equipment, business interruption, public liability, employers’ liability and other selected risks. The exact sections and limits depend on the business, premises and insurer.
Do I need employers’ liability insurance for office staff?
Most employers in Great Britain must have employers’ liability insurance if they employ staff. The legal minimum is £5 million of cover from an authorised insurer, although exemptions can apply in limited circumstances.
Can I insure an office that I rent rather than own?
Yes. A tenant can usually insure business contents, computers, furniture, liabilities and other risks without insuring the building itself. Responsibility for the building should be checked against the lease.
Can laptops and equipment be covered away from the office?
Portable equipment can often be insured away from the main premises when the appropriate all-risks or portable equipment section is selected. Territorial limits, security conditions and single-item limits should be checked.
Does office combined insurance include professional indemnity?
Not automatically. Professional indemnity is often arranged separately because it covers claims arising from professional advice, design or services rather than physical office risks. It can be discussed alongside an office policy where relevant.
Does office combined insurance include cyber insurance?
Cyber cover is not automatically included in every office combined policy. Businesses that rely on email, cloud systems, customer data or online services should check whether cyber risks need a separate or additional policy.
What affects the cost of office combined insurance?
Premiums are influenced by factors such as the business activity, postcode, construction and security of the premises, values of contents and equipment, number of employees, turnover, cover limits, claims history and optional extensions.
What information is needed for an office insurance quote?
Insurers typically need details of the business activity, premises, number of employees, annual turnover or wage roll where relevant, values of contents and equipment, required liability limits, security arrangements and previous claims.
For office combined insurance tailored around your premises, equipment and liabilities, speak to West Craven Insurance on 01756 802100 for a quote.
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