Office contents

Get Office Contents Insurance to protect laptops, furniture, and essential office equipment against theft, damage, or loss.

Get a quote

What is Office Contents Insurance?

Office Contents Insurance protects your business equipment and office property against theft, damage, or loss – whether it happens on your premises, at home, or while travelling. It covers essential items like laptops, computers, phones, furniture, and other business equipment you rely on daily.

If your office suffers a break-in, accidental damage, or loss during transit, this insurance helps you repair or replace items without major financial strain, keeping your business running smoothly.

Get a quote

What Does It Cover?

Office Contents Insurance typically includes:

  • Theft or Damage – On your premises, in transit, or while travelling in the UK or abroad.
  • Glass & Signage Damage – Repairs to windows, doors, or signs at your premises.
  • Damage to Landscaped Gardens – Cover for outdoor areas.
  • Money Theft – Whether at your premises, away, or in transit.
  • Business Equipment at Home – Cover for home-based work equipment.
  • Data Recovery – Reconstitution of electronic or paper-based data.
  • Locks & Security – Repairs after a burglary.
  • Personal Belongings – Including staff items.
  • Personal Assault – Protection for staff during robbery or attempted robbery.
  • Debris Removal & Emergency Costs – Clean-up and loss-prevention expenses.

Do I need Office Contents Insurance?

Office Contents Insurance isn’t legally required in the UK, but it’s highly recommended. Replacing stolen or damaged office equipment – laptops, printers, or furniture – can be expensive and disrupt your work.

If you work from home, remember standard home insurance rarely covers business equipment, so additional cover may be necessary. This insurance gives peace of mind, ensuring you can recover quickly and continue working without major financial setbacks.

How Much Office Contents Insurance Do I Need?

Your cover should reflect the total replacement cost of your office contents – computers, furniture, phones, and other equipment.

  • Small offices or home workers – Basic cover may be enough.
  • High-value equipment or large offices – Consider higher limits.

Taking an inventory of your office contents can help ensure you’re not underinsured if damage, loss, or theft occurs.

This will depend on the level of cover you choose (based on the amount of business equipment you have purchased) and on how and where you work.

There is a small excess payment required for our office contents insurance. However, you only have to pay this if you successfully claim against the insurance, so you can call us to discuss any loss or damage you may have suffered without worrying that we are going to charge you for it. We are here to help.

Office contents insurance will re-imburse you for the cost of replacing or repairing your business equipment.

It does not cover you if you make a mistake during the course of your work that causes financial loss. This would be covered by Professional Indemnity.

Nor does it protect employees or clients if they are hurt on your premises – these instances would be covered by Employer’s Liability and Public Liability.

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.

Get a quote

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 Office Contents