Excess protection
Get reimbursed for any excess you pay following the successful settlement of a claim up to £2,500.
Keeping things business as usual
Protect your company beyond the 9-5 with office insurance that’s tailored to your business needs. Choose a policy from Wesleyan’s panel of leading providers and get cover for accidental damage, liability claims and more.
- Loss or damage to office buildings, contents and equipment
- Cover for business interruption and loss of income
- Legal cover for contractual disputes, tax investigations and more
- Liability cover for claims from employees and third parties
- Cover for employee dishonesty and fraud
- Advice-based service tailored to your needs
- Request a quote and we'll aim to call you within the hour*
* Opening times are Monday to Friday, 9am-5pm.
What’s included?
Depending on the level of cover you choose, your policy could include:
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Type of cover
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How it works
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Buildings cover
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Get theft, vandalism and accidental damage cover for your office buildings. This includes damage caused by fires, impact, storms, floods, subsidence, heave and landslip.
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Contents cover
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Cover the cost of expensive office equipment with contents cover for accidental damage. Pay as little as £250 excess for claims including water damage, fires, theft and vandalism.
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Computer breakdown
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Get back to work with repairs and replacements for damaged and broken equipment.
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Business interruption
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Get up to £3 million for any loss of income and additional expenses caused by business interruption. Tailor your cover by choosing between a 12 and 24-month claim period. And if you need more than £3 million, you have the option to increase your claim amount. |
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Legal expenses
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Get up to £100,000 for employment disputes, legal defence, contract disputes, tax protection and more.
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Public liability
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Accidents happen. Protect your business against public liability claims with a £10 million limit of indemnity.
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Employers’ liability
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Does your business have employees? Tick off this legal requirement with a £10 million limit of indemnity.
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Fidelity guarantee
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Safeguard your business against fraud or dishonesty from a partner, associate, assistant, trainee or legal support staff.
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Enhance your cover
Emergency assistance
Don’t get caught out when the unexpected happens. You can get cover for emergency incidents, including heating breakdown, flood damage and loss of power – up to £1,000 per claim.
Engineering inspection
Whether you suspect a fault or just want to schedule a regular safety check, you can get engineering inspections for lifts and escalators.
What’s not included?
- Wear and tear - Gradual deterioration, vermin, rust, damp or mildew that affects your buildings or contents.
- Compulsory closures - Business interruptions caused by compulsory closures that aren’t local to your premises.
- Malicious damage - Loss, destruction or damage to any computer equipment caused by a hacker, virus or similar mechanisms. For this type of cover, you might be interested in cyber insurance.
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Our service promise
Advice and guidance
Helping your business create an insurance policy that’s individual to you.
Selected panel
Get access to our carefully selected panel of leading insurers.
Explain the small print
We’ll explain vital exclusions and limitations, as well as the claims process.
Frequently asked questions
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How much does office insurance cost?
With no two businesses the same, how much you can expect to pay for office insurance will depend on a few factors, including
- How much cover you’ll need
- The size and nature of your business
- The location of the business
- How many employees you have
- Your annual turnover
- Your office contents
- The footfall of your premises (this includes employees and visitors)
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What type of businesses need office insurance?
Most businesses with a physical office can benefit from office insurance, regardless of the size. It’s especially important for businesses that have expensive equipment, valuable inventory or a lot of people coming and going.
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I work from home – do I still need office insurance?
This depends on what you’re looking to insure and how your business operates. For example, if you’re just looking to insure your home office equipment and furniture, this should be covered under your home insurance.
However, if you’re looking to insure your day-to-day operation, you might benefit from office insurance. It provides business interruption cover if you have to stop working for a period of time. It also covers your professional relationships, from employers’ liability to fidelity guarantee.
You may also want to take out cyber insurance. It covers any costs following a cyber incident and offers support to help you manage the aftermath.
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Can you cover my equipment outside of the office?
Yes, you’ll be covered when you’re on-the-go for any equipment that you need to do your job. The policies we offer provide worldwide cover on portable office equipment, including laptops.
You might be interested in...
Commercial property insurance
If you own one or more commercial properties, you can get cover that protects your buildings, contents and more.
Cyber insurance
Get all-round cyber protection for loss and damage to your digital assets, business interruption from network downtime and more.
Management liability insurance
Get legal protection for claims made against you at work. You can tailor your policy to include liability cover, cover for legal expenses, defence costs and more.
Important information
Please note that limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including benefits and exclusions, will be provided when you get a quote. Risk must be acceptable to underwriters at normal terms.
Wesleyan Financial Services Ltd is a broker and our insurance products are provided by a number of insurers.
Before you apply for office insurance, you should read: