All the essential protection you need...
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Usually a legal requirement if you have employees, apprentices, or work experience students.
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
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Our Workplace Contents insurance is designed to cover accidental loss, theft, destruction or damage of contents of an office, whether it be a home office or dedicated work premises. This would typically be items like computers, desks, chairs, documents, stock, other furniture, equipment and signage but is not restricted to only these items. However, it does not include the office building itself.
It will also cover you for damage to the personal belongings of partners and employees in the office.
The policy covers damage to your workplace contents in transit or temporarily housed elsewhere.
If you operate from a dedicated office space, Workplace Contents Insurance is essential to safeguard against accidental loss, theft, destruction, or damage to its contents.
For those with a home office, it's advisable to verify if your Home Contents insurance policy already provides coverage for its contents.
Our policy protects your business from risks including theft, fire, and water damage—even for possessions temporarily located away from your primary workplace.
As a specialist insurer, we offer comprehensive coverage that extends to non-standard items like glass breakage, artwork, and visitors' personal belongings, ensuring a wide range of protection as standard.
Computers: Computers and ancillary equipment but excluding data or information entered by you or on your behalf.
Contents: The contents of your office used in connection with your business which belong to you or for which you are legally responsible, including:
Damage/damaged: Accidental loss, theft, destruction or damage
Electronic data: Facts, concepts and information converted to a form useable for communications, display, distribution, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programs, software and other coded instructions for such equipment.
Glass: Fixed, plain or wired glass and mirrors at the office.
Money: Cash, bank and currency notes, cheques, travellers’ cheques, postal orders, money orders, crossed bankers’ drafts, current postage stamps, savings stamps and certificates, National Insurance stamps, trading stamps, gift tokens, customer redemption vouchers, company sales vouchers, credit card counterfoils, travellers’ tickets, VAT purchase receipts, contents of franking machines and, insofar as they are not otherwise insured, holiday-with-pay stamps and luncheon vouchers, for which you are responsible.
Office: Any location within the territorial limits occupied by you for the purpose of your business.
Personal effects: Articles worn, used or carried about the person, excluding cash, bank and currency notes and jewellery.
There are three different cover limits available for Workplace Contents cover so you can choose the most appropriate to suit your needs.
The costs are:
£5,000 -- £20 + tax £10,000 -- £40 + tax £20,000 -- £80 + tax £50,000 -- £160 + tax £100,000 -- £300 + tax
Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.
Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.
Please note that you cannot make changes to the policy during the renewal period which starts 6 weeks prior to expiry. If you need to make a change during this time please contact us on 01305 839939.
There are four different cover limits available for Workplace Contents cover so you can choose the most appropriate to suit your needs.
£5,000 -- £20 + tax
£10,000 -- £40 + tax
£20,000 -- £80 + tax
£50,000 -- £160 + tax
£100,000 -- £300 + tax
Getting add on cover such as, Workplace Contents is quick and easy, whether you're getting a new policy or adding cover to an existing one.
1. Need a New Policy?
- Get an instant quote by clicking ‘Get a Quote’.
- Answer a few quick questions—it only takes a few minutes.
- Include Workplace Contents Cover.
- Save your quote for later or proceed to purchase.
- Pay securely by credit or debit card and receive your policy documents immediately via email.
2. Adding to an Existing Policy?
- Log in to your account and go to 'Your Policy' section.
- Next to Workplace Contents, click add.
- See the cost before confirming.
- Choose your cover level, pay, and receive your updated policy documents instantly.
Yes, any fixed, plain or wired glass or mirror at the office is covered by our Workplace Contents policy
The policy wording for Workplace contents includes the following definition:
“The contents of your office used in connection with your business which belong to you or for which you are legally responsible.”
Your business practices are specified on your Policy Schedule. If there are contents in your office which are for personal use only or used in connection with a business practice that is not specified on your policy, these would not be included within the coverage.
The Workplace Contents policy provides cover for when contents are 'in transit' provided that you have complied with the security requirements as specified on the policy, which includes the secure locking of the transport vehicle. Please refer to the policy wording for full details.
Your policy provides cover for the replacement of locks, lock mechanisms and keys necessary to maintain the security of your office following theft of the keys. This is subject to the policy excess.
Our Workplace Contents Insurance offers comprehensive protection for your office essentials, from computers and furniture to documents and signage, in both home offices and dedicated workspaces
Additionally, this policy extends to cover personal belongings of partners and employees within the office environment.
Whether your items are in transit or stored off-site, rest assured, they're protected under this policy.
Note: The office building itself is not covered.
£5,000 -- £20 + tax £10,000 -- £40 + tax £20,000 -- £80 + tax £50,0000 -- £160 + tax £100,0000 -- £300 + tax
Having the correct level of experience or qualifications necessary to offer a service is...
A fire breaks out in your office, destroying furniture, computers, and important documents. You need to replace all damaged contents.
During a break-in, thieves steal valuable equipment and office supplies. You need to cover the cost of replacing the stolen items.
A burst pipe in the office building results in water damage to your office furniture, electronics, and stock.
Vandals break into your premises and damage office equipment and furniture. You need to repair or replace the damaged items.
A power surge causes damage to several computers and electronic devices in your office, requiring costly repairs or replacements.
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Giving comfort and removing the hassle and stress.
No salesmen, no gimmicks! We just make insurance easy.
Get your quote and insurance document - within minutes.
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
