Business contents insurance
Business contents insurance covers office items like the desk chair you spin on and the screens you show your presentations on, to portable items like laptops and phones from loss or damage — whether you’re in the office, out and about or working from home.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
What does business contents insurance cover?
Business contents insurance — aka office contents insurance — is designed to protect your office contents — like desks, chairs, printers, laptops or monitors, as well as technical machinery, portable equipment, documents and cash — from loss, damage or theft.
- Worldwide cover
- New-for-old replacement
- Fast claims service
- Covers office equipment
Is your business raising and scaling?
Our specialist brokers provide custom cover for high-growth tech companies with complex risks — from web3, fintech, medtech, blockchain, VC firms, SaaS and more — whether you're at seed stage or IPO ready.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it — we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Benefits of our contents and equipment insurance
Protect your kit
Whether it’s your desk, printer, work phone, camera or specialist equipment — any loss or damage is a headache you could probably do without, especially when items are taken by force. Our business office contents insurance is designed to cover the costs of repairing or replacing your essential equipment so that you’re up and running again in no time.
Covers remote work
Many businesses today work remotely. Our policy covers your portable equipment, such as laptops and tablets, as standard.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Contents and equipment insurance guide
Find out more about business contents insurance, the risks it's designed to cover and what to look out for in a policy.
What is contents and equipment insurance?
Contents and equipment insurance is built to cover the integral parts of your business, such as your furniture, projectors and printers, as well as portable equipment including laptops and phones.
Whether you work in an office or remotely — our policy can cover the costs of damaged or stolen equipment. Cover for important documents and cash can also be included in this cover.
What does business contents insurance cover?
Like home contents insurance, office contents insurance can cover the furniture in your office that is harder to remove — chairs, desks, storage, printers, projectors and screens — as well as portable equipment like your work phones, laptops and tablets.
Your important documents as well as money you have stored in the office are added as an extension when you take out a business contents insurance policy with us.
The policy covers damage, loss and forcible and violent theft.
Who is office contents insurance for?
Whether you’re a one-person band, a small business or an established operation, if you have office contents and equipment that you’d miss if it was no longer there, this could be the cover for you.
Our policies can cover the costs so that your business can get back to work without losing days of time and money.
What to watch out for in an office and equipment policy?
When purchasing your business equipment insurance policy, be aware that cover limits should be based on the replacement value of your contents, rather than the market value. Also, don’t forget to include any leased items in your totals.
If your business rents an office, check with your landlord before buying business contents cover, as you may find that you’re partially covered through their business insurance.
Business contents insurance FAQs
What level of this cover does my business need and how much will it cost me?
It might seem obvious, but it all depends on how much equipment and other contents you’ve got to insure. It might be useful to think about the worst case scenario and how much would it cost to replace everything in your office. That includes any cash.
Similarly, for portable equipment insurance, you need to define how much it would cost to replace the portable equipment you usually take out and about with you. It’s also important to define the territory within which you want to be covered (be that the UK only, Europe or worldwide), as this will also affect the cost of your cover.
What excess would I need to pay?
Our online office contents and personal equipment policy has a minimum excess of between £100 and £250, depending on what is being claimed for. All other expenses and costs will be covered on our side.
Please be aware, however, that for clients with more complex risks who have tailor-made policies, the excesses do vary depending on the risk.
What else should I do to protect my belongings?
Insurance is your last line of defence and it's preferable if your belongings stay safe and sound in the first place. This is where taking the right preventative measures come in. Make sure you keep your office locked when there’s nobody around or, if you’re hot-desking, don’t leave anything valuable unattended — that’s what lockers are for.
Protecting your portable belongings can be trickier, but ensure you lock your device with a password to secure your data, activate ‘find my phone’ functionality, and if you do get caught out, inform the police as soon as you can.
Can I cover just my portable equipment?
Yes! We have business equipment insurance just for your portable items. Take a look at the details of our business equipment insurance policy.
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Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
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If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.