Get business contents insurance

Get business contents insurance
- Over 1,000 different business types covered
- Customise cover to meet your needs
- Add, remove or cancel cover at any time
Whether you work from a home office or dedicated premises, losing the equipment your business relies on to operate can cripple it. Business contents insurance covers the possessions linked to your business, so that you can dust yourself off and carry on if they’re lost, stolen or damaged.
Business contents insurance covers the equipment and furnishings you use for your business against theft, loss or damage.
This includes having your tools stolen or your premises (or home office if you work from home) damaged by a variety of reasons, such as water leaks and fire. Your insurance covers the cost of replacing your lost equipment, meaning you can get back to work as soon as possible.
It is not mandatory under UK law to have business contents insurance. However, it is highly recommended, especially if you rely heavily on your tools or furnishings to operate.
If all you need for your work is a laptop, you might be able to get gadget cover for it, or include it in your home contents insurance (be aware some policies do not allow possessions used for business, so make sure you check the small print).
If your equipment constitutes more than just one item, you should consider taking out business contents insurance.
Some possible situations that could lead to a claim include:
Cover benefits will vary between each insurance provider, but most policies will typically cover your tools and equipment for damage, theft, loss and vandalism.
You might also be able to insure your business contents for damage, loss or theft while in transit and cover your stock in storage or while it’s being delivered to customers.
Some providers may offer business contents insurance as part of a general business insurance policy. These usually include:
It’s important to note that, if you own the premises your business is located in, you should consider getting business buildings insurance as well. Business contents insurance is unlikely to cover damage to the fabric of the building, including roof, flooring, pipes and fitted fixtures.
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