Office buildings insurance covers the buildings, including outbuildings, annexes, and tenants improvements, at your office premises.

The policy will protect your buildings against damage from things such as fire, flood and accidents and will also cover you for reasonable costs incurred in locating the damage (finding a burst pipe, for example).

The insurance covers office buildings owned or leased by you, and includes protection for:

• buildings, outbuildings and annexes
• landlord's fixtures and fittings, fixed fuel tanks;
• walls, gates and fences, car parks, yards, private roads;
• pavements and paths, at the premises;
• pipes, ducting, cables, wires and associated control equipment at the premises and up to the public mains.

Tenants improvements

If you rent premises, the tenant's improvements part of the policy covers alterations and improvements you have carried out as a tenant such as decorations, partitions, fixtures and fittings including (if attached to the building) external signs, aerials and satellite dishes. It will also cover pipes, ducting, cables and wires and associated control equipment at the premises and extending to the public mains.

Working from home

This insurance is not relevant if your office is a room within your home as such a room would already be covered by your home insurance policy.

Our office buildings policy provides up to £500,000 of cover with an excess of £250, which means that you will pay the first £250 of any claim. If you would like a higher level of cover, let us know and we'll arrange a bespoke quotation for you.

Buildings insurance is available with office contents and/or computers and ancillary equipment at our specialist site. You can get an instant quote, and if you like the price, go ahead and buy online.