Office Insurance - Protect Your Space, Equipment, and Income

From professional firms to tech start‑ups, we tailor coverage for contents, tenant improvements, computers, and business interruption-plus cyber and liability-to keep your practice running.

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Why offices need coverage

Who we insure

Coverage menu

Business Interruption

Computers & data

Leases & certificates

Risk controls

Common claims

FAQs

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Quick facts

  • Property policies can extend to off‑premises laptops—set the right limits.
  • Business Interruption is often the difference between a pause and a closure.
  • Cyber incidents aren’t covered by property/CGL—add a Cyber policy.
Quote checklist
  • Address & floor; building type/age; sprinklered & alarmed?
  • Contents value; Tenant Improvements & Betterments (TIB)
  • Computer/EDP values; number of laptops taken off‑site
  • Revenue & payroll; desired BI indemnity period (12/18/24 months)
  • Server vs. cloud usage; backup & MFA practices
  • Lease insurance clauses (AI/waiver/TLL; glass/signs)
  • Past claims; any co‑working or home‑office extensions

Why offices need coverage

An office may seem low‑risk, but water damage from above, theft of laptops, or a building outage can halt operations. We build packages that protect your equipment, furniture, files, and income, and align your liability and lease requirements so certificates are approved quickly.

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Who we insure

  • Professional services: legal, accounting, consulting
  • Financial services & real estate offices
  • Medical & allied health clinics (non‑surgical)
  • Tech & SaaS, startups, digital agencies
  • Architects & engineers (property/office; prof. liability separate)
  • Education & training centres
  • Non‑profits & associations
  • Coworking & serviced offices (by review)
  • Solo practitioners to multi‑location firms

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Business Interruption - plan for real recovery

  • Coverage basis: Gross Profit/Revenue or Actual Loss Sustained (ALS)
  • Indemnity period: 12/18/24 months-match to build‑back and vendor lead‑times
  • Waiting period: 24-72 hours before BI applies
  • Extensions: civil authority/access denial, utilities service interruption, dependent property (e.g., data centre, key supplier), extended BI after reopening
  • Extra Expense: temporary premises, expedited shipping, rental IT gear to reduce downtime

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Computers, data & cyber - close the gaps

  • Computer/EDP covers hardware; add off‑premises and worldwide transit for laptops
  • Equipment Breakdown can include data restoration after electrical surge
  • Cyber insurance covers breach response, ransomware, privacy liability, PCI assessments, and business interruption from cyber events
  • Implement MFA, backups, and endpoint protection-insurers increasingly require them

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Leases & certificates - get approvals the first time

  • Additional Insured & Waiver of Subrogation in favour of the landlord (where required)
  • Primary & Non‑Contributory wording when requested
  • Tenants Legal Liability and any glass/signage requirements
  • Per‑location aggregates for multi‑office operators
  • Notice of cancellation terms (subject to insurer rules)

Send us the insurance section of your lease; we'll match endorsements and prepare the certificate.

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Risk controls - practical steps that reduce losses

Property & water

  • Place electronics above floor level; use surge protection & UPS
  • Install water sensors under sinks and near server closets
  • Maintain HVAC & plumbing; clean condensate drains
  • Keep aisles clear; maintain slip‑resistant mats at entrances

Security & cyber

  • Monitored alarm; access control for server/records rooms
  • Encrypt laptops; enable MFA for email/VPN; phishing training
  • Dual approval for payments; reconcile AR/AP; vendor callbacks
  • Document incident reporting and keep an asset inventory

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Common claims in offices

  • Water from above: Pipe break on an upper floor damages ceiling, furniture, and computers below-BI covers downtime
  • Laptop theft: Stolen from a vehicle or café-use off‑premises EDP and encryption to limit impact
  • Electrical surge: Power event damages servers-equipment breakdown with data restoration responds
  • Slip‑and‑fall: Visitor injury in reception-CGL responds; maintain logs and incident reports

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FAQs

Are laptops covered when employees work from home or travel?

Yes, if you select off‑premises/worldwide coverage under Computer/EDP. We'll set limits that reflect how many devices leave the office.

Is professional liability included?

No-Professional Liability (E&O) is separate and covers claims from advice/services. Many offices need both E&O and CGL.

We're in a co‑working space-anything special?

Yes: confirm lockable storage, after‑hours access controls, and certificate wording required by the operator. Property limits should reflect shared‑space exposures.

How long should my BI indemnity period be?

Match to realistic rebuild and re‑fit timelines plus lead‑times for furniture/IT (often 12-18 months for offices; 24 months for larger build‑outs).

Does Cyber replace Computer/EDP coverage?

No-Computer/EDP addresses the hardware; Cyber addresses data/privacy, ransomware, and related liabilities. They work together.

Ready for an Office Insurance quote?
Share your contents/TIB values, number of laptops, and lease requirements-we'll tailor coverage to how your office operates.

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