For home office or work dedicated premises Choice of cover level up to £50,000 limit Covers accidental loss, theft, destruction or damage of workplace contents including computers, work equipment, furniture, etc. Could cover workplace contents in transit and temporarily housed elsewhere Can be added to existing policies Have protection in place straight away Other optional extras include; employer’s liability, cyber and data, personal accident, portable equipment Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' coverOur 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 are working from dedicated office premises then you would certainly require Workplace Contents insurance to protect accidental loss, theft, destruction or damage of its contents.
If you have a home office you should check whether its contents are covered under your Home Contents insurance policy.
Our insurance policy covers your business against risks such as theft, fire and water damage, even if the possessions are temporarily away from the workplace.
As a specialist insurer, we also provide broader cover meaning non-standard items such as glass breakage, artwork or visitors’ personal belongings are covered 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:
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.
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
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.
There are four 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
£50,0000 -- £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.