Small Office Insurance

The business is up and running. Now that your business has developed enough to justify having your own small office space, you're going to need a small office insurance policy. This will provide your small office with insurance protection against financial losses related to buildings insurance and contents insurance as well as tenants' improvement cover. Crucially, this is a specific business insurance policy because standard home insurance will not cover business premises.

Top Small Office Insurance Companies

Finding an insurance company who looks after you well is half the battle. Our two best performing small office insurance partners are:

Key parts of small office insurance

Your buildings cover within a small office insurance policy will provide you with protection against costs relating to your building or small office if the company owns it. This may include structural or weather damage e.g. flooding or subsidence.

A standard small office insurance policy should also incorporate protection for your business contents. The risks faced here include damage or theft of your possessions and any non-permanent contents. Each small office insurance provider will provide varying levels of cover here. Look at the excess levels and value limits placed on particular items within your small office insurance policy.

If the company using the space is simply a tenant, a small office insurance policy can provide cover against any alterations or improvements made to the small office. This will be referred to as tenants' improvements within your small office insurance cover.

Small office insurance and your business needs

Before you begin searching for a small office insurance policy, spend a little bit of time thinking about your business needs. Do you have a legal requirement or business need for cover beyond your office space? If so, small office insurance protection can be included as part of a business insurance package containing more extensive cover. Bundling together all of your business insurance needs into one policy can provide cost savings as well as reduce your administration.