Office contents and equipment insurance
Office contents and equipment insurance replaces the desks, computers and kit that run your business, and most small UK offices pay between £40 and £120 a month in 2026. Here is what it covers, what it costs and how to size your sum insured.
How much is office contents and equipment insurance?
Most UK offices pay roughly £40 to £120 a month for a package that bundles contents, equipment and liability, though a home-based freelancer with modest kit can start from around £5 to £10 a month. A contents-and-equipment-only policy for a small office with about £35,000 of contents typically lands near £280 to £480 a year. Price is driven by the value of your contents, your postcode, security, your trade and your claims history.
This page focuses on the contents and equipment side. For a full breakdown of every office cover and its price, see our pillar guide: Office insurance cost UK 2026.
Typical 2026 cost by office profile
Source: UK insurer and comparison-site data (money.co.uk, NimbleFins, Simply Business), July 2026.
| Office profile | Typical contents value | Indicative annual premium |
|---|---|---|
| Home / freelance office | ~£10,000 | £70–£120 |
| Micro office (2–3 staff) | ~£20,000 | £150–£260 |
| Small office (5 staff) | ~£35,000 | £280–£480 |
| Mid-size office (10 staff) | ~£60,000 | £520–£900 |
| Larger firm (20+ staff) | ~£120,000 | £900–£1,800 |
Indicative contents-and-equipment premium bands compiled from UK insurer and comparison-site data (money.co.uk, NimbleFins, Simply Business), July 2026. Orientation only — not a quote.
What office contents and equipment insurance covers
Contents cover pays to repair or replace the physical items inside your office — furniture, computers, servers, printers, phone systems, stock and documents — after fire, theft, flood, escape of water or accidental damage. Equipment cover extends this to the portable kit your team carries, such as laptops, tablets and cameras, often away from the premises.
- Office contents: desks, chairs, IT hardware, printers and fit-out on a new-for-old basis.
- Portable equipment: laptops and devices used off-site, usually up to a stated limit near £2,500 to £5,000.
- Business interruption (optional): lost income while you recover from an insured event.
- Money and documents: cash on premises and the cost of reinstating records.
- Accidental damage (optional): for the knocks and spills basic policies exclude.
Contents insurance protects fixed items on-site; business equipment cover follows the tools you take out with you. Larger offices often need both, plus liability. Compare the whole package in our office insurance cost guide.
What moves your premium up or down
- Contents value: the single biggest driver — insure the full new-for-old replacement cost to avoid an underinsurance penalty.
- Location: central London and flood-risk postcodes cost more than a regional business park.
- Security: alarms, CCTV and good locks can shave the premium.
- Excess: a higher voluntary excess lowers the monthly cost.
- Trade and turnover: higher-risk sectors and larger firms pay more.
- Claims history: recent claims push the price up.
Office contents and equipment insurance FAQs
Where our figures come from
- Association of British Insurers (ABI) — commercial property and business insurance context.
- gov.uk — Insurance Premium Tax standard rate (12%).
- MoneyHelper — guidance on business and contents insurance.
- Which? — consumer guidance on contents cover and underinsurance.
- Defaqto — policy feature and rating benchmarks.
- NimbleFins, money.co.uk and Simply Business — published 2026 premium data for business contents and office cover.
- FCA — regulatory context for UK insurance intermediaries.
Reviewed by the MyInsuranceExpert editorial team. Methodology: premium bands are compiled from published UK insurer and comparison-site data for office contents and equipment cover and rounded to indicative ranges; they are orientation figures, not quotes, and your price depends on your contents value, postcode, security and claims history. Information only — not financial advice. MyInsuranceExpert is not an FCA-authorised intermediary and does not arrange or sell policies. Last updated: 2026-07-14.