The Federation of Master Builders

Office and Contents Insurance – what can I insure?

Published date: 20 October 2020

Many of us choose to take out contents insurance to cover the items within our own homes, and the work place should be no different. Accidents and damage can occur at any time, whether during work hours or when the property is vacant. This has never been more important than now, given the number of people working from home, leaving offices empty.

If someone broke into your premises, or there was a fire or burst water pipe for example, the cost to replace or repair damaged items could be significant. To give yourself peace of mind for any eventuality, it is always a good idea to take out Office & Contents Insurance.

The policy can be tailored to suit your individual needs and can include warehouse and industrial units. Whatever you deem important within your premises can be covered under an All Risk policy, as long as the items are listed in your business contents sum insured.

Anything that can be physically moved can be covered, including; telephones and furniture, computer equipment, such as monitors, printers and scanners, fixtures and fittings, such as carpets, lighting and blinds and even plant machinery, tools, materials and stock. You can also add cover for portable equipment, when items are taken out of the office and could be damaged during transit or at home, including smartphones, laptops and tablets.

The damage or loss to data or documents is also an aspect that can be added to a policy and cover includes the cost of replacing and re-instating these in the event something happens.

Office & Contents Insurance covers your items in the instance of:

  • Theft or attempted theft
  • Malicious damage
  • Fire, lightning, explosion or earthquake 
  • Damage by fall of aircraft 
  • Storm, tempest or flood 
  • Water leakage from fixed water tanks, equipment, or pipes 
  • Impact by vehicle or animal 
  • Riots, strikes, civil commotion and malicious damage 
  • Subsidence, landslip or heave 
  • Accidental damage by a member of staff or even a family member at home

Call one of our friendly team today on 01353 652777 to see how we can tailor a policy to suit your individual needs.


Keep in touch with FMB Insurance

For regular updates from FMB Insurance, sign-up here with your email address.