Office Insurance

Whether it’s big or small, an unforeseen event at your office could have a significant impact on your business. Office insurance can protect your office building, its contents, your customers and employees, as well as your ability to operate. With cover in place, you can get on doing what you do best – running your business.

Recommended by customers.

88% of customers are likely to recommend our Business Insurance Services.

Based on responses from Lloyds Bank customers surveyed between Jun 2020 & May 2021 after purchasing Lloyds Bank Business Insurance.

Insurance solutions from Gallagher

To provide you with Business Insurance Lloyds Bank works with Gallagher, one of the UK’s largest insurance brokers.

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What does office insurance cover?

Office insurance covers all the important elements that make up your business, from your building and employees to equipment.

Office Contents Insurance

Office Contents Insurance covers everything you need to keep your business running smoothly – including items like computers, printers, desks and chairs.

Buildings Insurance

Buildings Insurance can protect you from the cost of repairs, if your premises is damaged by an insured event.

You’ll need this if you own the building or are required to by your lease contract.

Public Liability Insurance

If you have customers on-site, or work with freelancers or contractors, accidents can happen. Protect your business from the cost of potential lawsuits and associated claims with Public Liability Insurance.

Business interruption insurance

Business interruption insurance can protect you from the costs caused by a temporary closure, or the increased costs of  working from a different location, due to an insured event.

Employer’s Liability Insurance

Employer’s Liability Insurance can protect you against the costs of compensation.

You’re legally required to have Employer’s Liability Insurance to protect you and your staff.

Legal expenses cover

Should you find yourself defending your business in court, due to an employee or customer compensation claim, this insurance type covers the costs of legal expenses.

Keep in mind

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Talk to an insurance specialist

Call 0345 377 0002

Lines are open 9am-5pm. Monday to Friday, excluding Bank Holidays.

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Do I need office insurance?

Whether you need office insurance will depend on the requirements of your business. Office insurance can offer you peace of mind when things go wrong. Knowing that you’re protected financially should an accident happen, you’re free to focus on the most important thing – getting your business back open.

It is a legal requirement for operating businesses to have certain types of office insurance. This usually includes Employer’s Liability Insurance. This helps cover the costs if an employee has an accident at your office premises.

How much is office insurance?

Office insurance premium depends on lots of different factors.

These can include:

  • The size of your office space
  • The cost to repair or replace lost equipment
  • Number of employees
  • Whether customers or other third parties visit your office
  • Your line of work

Why get office insurance?

Your business is important, so it helps to make sure it’s protected in case of mishaps and accidents. Protect business owned equipment, like computers and smartphones, from loss or theft. Ensure you’re within legal guidance by protecting you and your employees with Employers’ Liability Insurance. Cover any potential losses if your business is forced to temporarily close due to unforeseen events.

Does office insurance include working from home?

Not always, but your office insurance policy could include cover for equipment used at an employee’s home.  If you work or keep stock at home, you may want to include:

Contents Insurance can protect your work laptop or business phone with your home contents insurance.

You might want to consider car or van insurance if you use your personal automobile as a company vehicle. 

Some forms of business and office insurance can cover stock kept at home.

Does office insurance cover cyber crime?

Not usually. However, you can purchase cyber insurance separately, it provides the following:

  • Free Anti-Virus/Firewall/Cloud storage.
  • 24/7 helpline.
  • Cover for fines, penalties and any legal costs and damages following a data breach.
  • Cover for any ransom demands, the costs of restoring the data, and any loss of revenue in the event of a cyber-attack.
  • Specialist IT support  to manage a data breach.
  • Cover for investigating, notifying and managing crisis communications.

Retrieve a quote

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Get in touch

Call 0345 377 0002

Lines are open 9am-5pm Monday to Friday excluding Bank Holidays

Existing customers

Contact numbers for all your queries including details for making a claim.

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.