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At Primo, we like all our clients to feel this way

Office Insurance:

Secure Your Workspace and Your Business

If your business operates primarily in an office setting, providing services or managing information, you need specialized protection tailored to your unique risks. Whether you're an accountant, solicitor, financial advisor, estate agent, or any other professional service provider, Primo can help you secure comprehensive office insurance to safeguard your workspace and your business.

Comprehensive Office Insurance Solutions:

We understand that your office is more than just a physical space – it's the heart of your operations. That's why we offer a range of coverage options to address your specific needs:
  • Public Liability Insurance:

    Protects your business against claims for injuries or property damage suffered by third parties on your premises.
  • Employers' Liability Insurance:

    A legal requirement in the UK if you have employees, this covers compensation claims for work-related injuries or illnesses.
  • Office Contents Insurance:

    Safeguards your valuable office equipment, furniture, and fixtures against theft, damage, or loss.
  • Portable Equipment Cover:

    Extends your protection to laptops, mobile phones, and other equipment you use outside the office.
  • Business Interruption Insurance:

    Provides income replacement and covers ongoing expenses if your business is temporarily unable to operate due to a covered event, such as a fire or flood.
  • Property Improvements Cover:

    Protects any improvements you've made to leased premises.
  • Equipment Breakdown Insurance:

    Covers repair or replacement costs for essential office equipment.
  • Professional Indemnity Insurance:

    (Optional) Protects you against claims for financial loss caused by professional errors or negligence.

Tailored to Your Specific Needs:

We understand that every office is different. Our experienced brokers will work with you to customise your office insurance policy to match your specific requirements and budget.

Why Choose Primo?

Working with a specialist broker like Primo offers distinct advantages:
  • Expertise:

    We have in-depth knowledge of the insurance market and understand the unique risks faced by office-based businesses.
  • Personalised Service:

    We take the time to understand your business and tailor a policy to fit your needs perfectly.
  • Market Access:

    We have access to a wide range of insurers, ensuring you get the best possible coverage at competitive rates.
  • Claims Support:

    We'll be there to help you navigate the claims process, making it as smooth and stress-free as possible.

Protect Your Office, Protect Your Business

Don't leave your business vulnerable to unexpected events. Contact our team of insurance professionals today to discuss your office insurance needs and get a personalised quote.
We look forward to helping you safeguard your workspace and ensure your business thrives!
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Office Insurance FAQ: Your Questions Answered | Primo

  • What is office insurance, and why do UK businesses need it?

    Office insurance is a comprehensive type of business insurance specifically designed for companies operating in office environments. It protects against a variety of risks that can disrupt your operations or cause financial loss, such as property damage, theft, liability claims, and business interruption. It's essential for safeguarding your workspace, assets, and overall business continuity.
  • What types of businesses typically require office insurance in the UK?

    Office insurance is relevant for a wide range of businesses that primarily operate in an office setting, including:
    • Accountants, solicitors, and legal firms
    • Consultants and advisors
    • Marketing and advertising agencies
    • Technology and IT companies
    • Financial services providers
    • Recruitment agencies
    • Charities and non-profit organisations
  • What are the main types of coverage included in office insurance?

    A typical office insurance policy often includes these core coverages:
    • Public Liability Insurance: Protects your business if a third party (e.g., client, visitor) is injured or their property is damaged on your premises.
    • Employers' Liability Insurance: A legal requirement in the UK for most businesses with employees, this covers compensation claims for work-related injuries or illnesses.
    • Office Contents Insurance: Covers your office furniture, equipment (computers, printers, etc.), and stock against theft, damage, or loss.
  • What additional coverages can I add to my office insurance policy?

    You can tailor your policy with additional options like:
    • Business Interruption Insurance: Provides income replacement and covers ongoing expenses if your office becomes unusable due to a covered event like a fire or flood.
    • Professional Indemnity Insurance: Protects you against claims for financial loss caused by professional errors or negligence.
    • Cyber Insurance: Safeguards your business from cyberattacks, data breaches, and other online threats.
    • Legal Expenses Insurance: Covers legal costs associated with employment disputes, contract disputes, or tax investigations.
  • What are the legal requirements for office insurance in the UK?

    The only mandatory insurance for most UK offices is Employers' Liability if you have staff. However, other types of cover are highly recommended to protect your business. For example, if you lease your office space, the landlord may require you to have public liability insurance.
  • How much does office insurance typically cost in the UK?

    The cost of office insurance can vary depending on factors like the size of your office, the value of your contents, the type of business you run, and the level of cover you choose. It's advisable to get quotes from several insurers to compare prices and coverage options.
  • Do I need office insurance if I work from home?

    If you run your business from home, you might need specific home business insurance or additional coverages on your existing home insurance policy. This is because your home insurance may not cover business-related risks or equipment.
  • Can I get office insurance for a shared office space?

    Yes, office insurance can be tailored for shared office spaces. You may need to specify the areas and equipment you're responsible for, and you might consider additional coverages like business interruption insurance to protect against shared space disruptions.
  • How do I make a claim on my office insurance policy?

    If you need to make a claim, contact your insurance provider as soon as possible. Provide them with all relevant details about the incident, such as the date, time, location, and any supporting evidence (e.g., photos, police reports). They will guide you through the claims process.
  • Why should I choose a broker like Primo for my office insurance? | Primo

    A broker like Primo can:
    • Save you time and effort
    • by comparing quotes from multiple insurers.
    • Tailor a policy that precisely meets your business needs and budget.
    • Offer expert advice on the right coverage options.
    • Help you navigate complex insurance terms and conditions.
    • Assist with claims
    • to ensure a smooth and successful resolution.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Other Insurance For Consideration

Commercial Fleet Insurance

Driver getting in his van
Comprehensive, third party, fire and theft or third party only cover arranged for your business' vehicles or commercial fleet.

Commercial Property Insurance

Commercial property insurance headed page on a clipboard with a blue background
Do you need commercial property insurance in addition to liability cover? We can also arrange as a stand-alone policy.
Need Insurance help?

Call us at 01702 225 440

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