Office Insurance: Commercial and Contents Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Office Insurance

If you manage an office, no matter how big it is or what sector you work in, we can help you get the specialist insurance you need at a competitive price. We are an independent family-run Lloyd’s broker with access to a handpicked range of insurers, and we have been working to protect offices of all sizes since 1982.


What is office insurance?

Office insurance is specialist cover for your business premises, your equipment, your contents, and your employees. It can protect you for losses and damages that occur as a result of fire, flood, theft, workplace accidents, and other unexpected events.

Tailored office insurance can give you the cover you need whether you own your premises outright, or you rent it, or you use it as a shared space. You can get specialist cover whether you manage a small office with a handful of employees, or a large workforce across multiple floors, or even multiple buildings. We can even cover you if some or all of your employees work remotely.

Why offices need insurance

Any office of any size will be full of expensive equipment. Through covering this equipment for damage or theft, office insurance can provide essential peace of mind that you will be able to recover from any unexpected setback.

As a workplace, an office may not be as hazardous as a warehouse, a construction site, or a factory. But accidents can still happen. And when they do, your office insurance can cover your staff, your clients, delivery drivers, contractors, and any other members of the public for any damages that may arise.

Finally, all offices are vulnerable to cybercrime. Your office insurance can also include dedicated cyber cover, which will help you respond to and recover from data breaches and other cyberattacks.

Why does office building insurance cover?

If you own your building outright, your office insurance can also cover your premises for any damages as a result of fire, flood, theft, or vandalism. The cover will usually extend to the building’s structure, along with any permanent fixtures such as doors, stairwells, and elevators.

The cover may also extend to damage caused by emergency services, such as when the fire brigade needs to break down a door to gain entry to your building.

Why does office contents insurance cover?

Office contents insurance can cover the following for any unexpected loss or damage as a result of fire, flood, or theft:

  • Key equipment
  • Your office’s fixtures and fittings
  • Furniture

If you rent or share the office space, your contents insurance can cover any fixtures or fittings that you are contractually obliged to maintain, even if they are owned by third parties.

Working from home and office insurance cover?

If some or all of your employees work remotely, your office insurance can cover any equipment or devices that employees take home from the office, along with any specialist furniture or equipment you purchase for the employee for use at home.

Your public and employee liability insurance can also extend to cover employees who work remotely. It can also cover you for any incidents that may occur when an employee is spending time at a client’s premises – such as if they spill coffee on a client’s computer during a site visit.

Why choose James Hallam for your office insurance?

We know that no two offices are ever quite the same. We will take the time to understand the unique risks you and your employees are facing, so that we can help you access the specialist insurance you need at a competitive price.

We are here to help you.
Call us on 0330 024 0755  or email enterprisenb@jameshallam.co.uk

Other business solutions

Latest Insights

Key Risks in Cold Chain Shipping and How to Mitigate Them 1000 667 James Hallam

Key Risks in Cold Chain Shipping and How to Mitigate Them

Cold chain shipping is an integral part of the global shipping industry. In this post, we will outline the key…

read more
Right of Light Insurance Explained for Property Developers 1000 667 James Hallam

Right of Light Insurance Explained for Property Developers

A right to light claim can delay or derail any development project, and it could result in significant financial losses.…

read more
What Home Insurance Do I Need For an Airbnb? 1000 667 James Hallam

What Home Insurance Do I Need For an Airbnb?

If you want to let your property on Airbnb, then your standard home insurance policy will not give you the…

read more
How to Calculate Business Interruption Cover 1000 660 James Hallam

How to Calculate Business Interruption Cover

Business interruption cover can help your business recover from an incident such as a fire, a flood, or a break-in.…

read more
Welcome to James Hallam: Supporting Anthony Jones Business and Personal Insurance Customers 500 334 James Hallam

Welcome to James Hallam: Supporting Anthony Jones Business and Personal Insurance Customers

When your insurance arrangements move to a new broker, it’s understandable to have questions. Will your service change? Who do…

read more
What is Contractors’ All Risk Insurance and Who Needs It? 1000 666 James Hallam

What is Contractors’ All Risk Insurance and Who Needs It?

If you are a building contractor, contractors’ all risk insurance can cover almost every aspect of an ongoing construction or…

read more