Office insurance is for businesses based in office settings, like professional services, consultancies, agencies, and admin firms. Offices might seem lower risk than factories or construction sites, but they still face issues that can disrupt work and affect finances.

Property damage is a main risk for offices. Fire, flood, leaks, theft, or accidents can damage furniture and equipment. If IT equipment is affected, it can stop work right away. Computers, servers, and other tech are vital, so any downtime can quickly hurt productivity.

That’s why business interruption cover is important. If your office can’t be used, even for a short time, your team might not be able to work or meet clients, but you’ll still have to pay rent and salaries. This cover helps replace lost income and supports you while you get back on track.

Offices also have liability risks. If a visitor, client, or contractor gets hurt on your premises, they could make a claim. If you have staff, you’ll need employers liability cover to protect against injuries or illness caused by work.

Office insurance usually bundles property damage, business interruption, public liability, and employers liability into one policy. You can add extra cover too, like cyber liability if you handle sensitive data, or professional indemnity if you give advice.

At base Insurance, we help office-based businesses get insurance that fits how they work. We look at your team size, how much you rely on technology, how you interact with clients, and how disruption could affect you.

Office Insurance gives you a practical way to protect your business, making sure that even low-risk workplaces are covered if something unexpected happens.