Office in Numbers
£5,500K
Average cost of an SME claim
1 in 2
firms will have a claim in their life time
£6.5bn
UK market size by premium
Office Insurance
Your office is the heart of your business. Our office insurance policies protect your premises, equipment, staff, and visitors — keeping you trading with confidence if the unexpected happens.
Protect your premises. Safeguard your people. Keep your business running
Your office is more than just a workplace — it’s the hub of your operations, housing your people, equipment, and vital business records. A fire, theft, flood, or unexpected accident can cause major disruption and financial loss.
Office Insurance provides comprehensive protection for your business premises, contents, and day-to-day operations, ensuring you can recover quickly and continue trading if the unexpected happens.
What Does Office Insurance Cover?
-Buildings Insurance
If you own your office premises, buildings insurance covers repair or rebuild costs following events like fire, flood, storm damage, or vandalism.
- Contents & Equipment
Covers office furniture, computers, IT systems, and other equipment against theft, fire, and accidental damage — including while away from the office if needed.
-Business Interruption
Covers lost income and additional expenses if your office becomes unusable due to an insured event.
-Employers’ Liability (Legal Requirement)
Protects your business against employee injury or illness claims, covering compensation and legal costs.
-Public Liability
Covers injury or property damage to third parties on your premises or caused by your business activities.
Additional Covers Available
Cyber insurance for data breaches and online risks
Directors & Officers (D&O) cover for management liability
Portable equipment cover for items taken off-site
Money cover for cash kept on the premises
Who Needs Office Insurance?
Professional service firms (accountants, solicitors, architects, surveyors)
Tech and creative agencies
Recruitment consultancies and financial advisers
Charities, non-profits, and membership organisations
Any business operating from a physical office space
Why Work With WK Professional Risks
Access to A-rated UK and Lloyd’s insurers for competitive, tailored office cover
Ability to combine office insurance with PI, Cyber, and D&O into one package
Advice on limits, business interruption indemnity periods, and risk management
Fast claims handling and ongoing policy support
Experience insuring everything from single offices to multi-site operations
Get a Quote
We can arrange office cover that matches your premises, operations, and budget — often with same-day quotes.