Workplace Contents
Insurance

Do you need it!

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.

• - Cover for accidental loss, theft, destruction or damage of workplace contents while in transit
• - Cover for possessions temporarily housed elsewhere
• - Personal property also covered (with several exceptions)
• - Lock replacement
• - Building damage due to theft
• - Glass and signage damage
• - Covering fire and water damage as well as theft

• - £250 excess
• - Money
• - Items more specifically insured elsewhere
• - Laptops, mobile phones or portable equipment temporarily housed elsewhere
• - Damage due to wear and tear or inherent defect

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:

1. Computers
2. Goods held in trust, stock and samples
3. Works of art or precious metals
4. Tenant’s improvements, decorations, fixtures and fittings and general contents including, if attached to the building, external signs, aerials and satellite dishes
5. Pipes, ducting, cables, wires and associated control equipment within the business premises and extending to the public mains Money and personal property belonging to others are not included within this definition.

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.

How much will it cost?

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:

For a new policy

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.

1. Click on the 'Get a Quote' button.
2. Choose to include the Workplace Contents option.
3. See the quote straight away on screen, and you can either save it for later or continue on to purchase.
4. Once the payment is processed, the policy documents are immediately emailed to you.

To add to an existing policy

1. Simply login to edit your policy online
2. Adding the desired coverage
3. Confirm the change
4. Make payment

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.