Office Buildings Insurance

Office Buildings Insurance protects your office property, contents, and equipment.

image of modern office building

What is Office Buildings Insurance?

Office Buildings Insurance protects your business premises against damage caused by fire, floods, storms, theft, or other unexpected events.

Whether you own the building, lease it, or operate as a tenant, this insurance helps cover repair or rebuilding costs, ensuring your business can recover quickly and continue operating without major disruption.

By safeguarding one of your most valuable assets – your workplace – office buildings insurance provides peace of mind and allows you to focus on running your business.

What Does It Cover?

  • Trace and Access – Locating and repairing damage to pipes, drains, cables, or underground systems (excluding normal wear and tear).
  • Loss Prevention Costs – Reasonable expenses to prevent further damage after an incident.
  • Building Damage from Theft – Repair costs for damage caused by theft or attempted break-ins.
  • Fire, Flood, or Storm Damage – Repairs or rebuilding following natural disasters or severe weather.

Do I Need Office Buildings Insurance?

Office Buildings Insurance isn’t legally required in the UK, but it’s strongly recommended for any business with office premises. Repairing damage after a fire, flood, or burglary can be expensive and may disrupt your operations – or even force closure.

Even if you’re a tenant, it’s worth considering to protect your assets and minimise downtime. With comprehensive cover, you can recover faster and focus on keeping your business running smoothly.

Office building insurance doesn’t cover you for property damage caused by gradual deterioration and general wear and tear. This can include damage caused by corrosion, dry rot, natural erosion, mould, mildew, and the action of insects and vermin.

Our buildings insurance doesn’t cover for business interruption or indirect losses resulting from the incident that caused you to claim. For this, you’ll need to choose business interruption insurance as an add-on to your professional indemnity insurance policy.

Finally, buildings insurance doesn’t cover you for thefts of data assets that arise from cyber breaches. However, all Tapoly professional indemnity insurance policies include cyber liability insurance at no added cost, we also offer cyber insurance as an add-on to your professional indemnity insurance policy.

Need more help?

Our online quote is fast and simple but, if you need help or a wider range of policy options, our team of experts.

Call us today: 020 7846 0108

9am to 5pm Monday to Friday.

Why choose Tapoly?

Accessible Coverage

Get the protection you need, whenever you need it, with our easy-to-use online platform.

Affordable Pricing

Designed to fit your budget, ensuring you’re protected without breaking the bank.

Flexible and tailored

Choose coverage that grows with your business, from professional indemnity to public liability and beyond.

Learn more about insurance for Offices