Office Insurance

We have access to a wide range of insurers who can cater for office based risks covering you for the usual perils you would expect.

Also we can look to insure other aspects of your business which do not form part of a standard office insurance package, from your professional liabilities to your art collection and business travel.

Standard Covers Available

Material Damage
Business Interruption
Goods In Transit
Money & Personal Accident
Employers Liability
Public and Products Liability
Material Damage

Buildings Cover
Covers the offices, outbuildings, gates, fences and boundary walls.

Tenants Improvements
Tenants improvements to a property paid for by the policy holder. This can include redecoration, extensions, and structural alterations.

Contents Cover
Covers items within the premises such as furnishings, furniture, equipment and machinery in the event of loss or damage.

Stock Cover
Provides cover for stock in trade, wines, spirits and tobacco in the event of loss or damage.

Business Interruption

Business interruption insurance provides cover for “consequential losses”. Cover will only ever engage where a valid claim arises under the material damage sections of the policy.

A consequential loss generally will be the reduction in turnover or Gross profits caused by the insured event.

  • Gross Profits
  • Loss of gross income
  • Increased and / or additional cost of working
  • Loss of rental income
Goods In Transit

This section provides cover for goods in transit such as items bought at a cash & carry.

Money & Personal Accident
  • Money cover is provided to protect business money at the premises
  • Personal Accident is an extension / additional coverage in adjunct to money cover

It provides a lump sum payment to a staff member taking money to a bank who is assaulted. A weekly benefit is usually also payable if the staff member is off of work as a consequence of the assault.

Employers Liability

Employers Liability is a legal requirement if you have any employees.

Public and Products Liability

Provides coverage against

  • Legal Liability for injury caused to third parties
  • Third party property damage

Additional Covers

This list is only a small selection of the available additional covers and services for Office Insurance:

  • Glass (if not covered under the Buildings Sections)
  • Legal Expenses
  • Professional Indemnity
  • Business Travel
  • Directors and Officers
  • Computers breakdown
  • Terrorism
  • Cyber Liability
  • Disaster recovery
  • Cover for portable equipment anywhere in the world
  • Health and safety advise, procedures and policies
Get a Callback

Send us your name, email and telephone number and we will call you back. For immediate service, contact Ben Henderson, our hospitality specialist on 020 8658 4334.

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Our personal approach to insurance ensures we find you the most suitable insurance cover for your needs.

No two businesses have the same risk exposures. Our team has the necessary experience to assist your business.


Our Love Art team understand the needs of art professionals and collectors as art lovers themselves.

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2nd Floor, Kent House
41 East Street, Bromley
Kent BR1 1QQ

Registered in England No. 1488763 Registered Office: 2nd Floor, Kent House, 41 East Street, Bromley, Kent, BR1 1QQ.
Brownhill Insurance Group Limited is authorised and regulated by the Financial Conduct Authority.