Office Insurance

Our Complete Office cover is for:

• Businesses that operate from offices or surgeries
• A wide range of businesses including accountancy, advertising, dentistry, estate agents, financial services and many more.

Complete Office Insurance offers essential cover for the assets, earnings and liabilities of your business, giving you the peace of mind to trade confidently and without the risk of unexpected financial outlay.

Get a Office Insurance quote    Retrieve a Office Insurance quote 

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc.

For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on 0800 048 1669.

Key Features

• Office Contents  – all risks cover  including loss, damage, theft and subsidence
• Money and Personal Assault - up to £5000 cash cover, and varying sums for death or disablement (excludes loss from unattended vehicles & assault on persons under 16 or over 70)
• Public Liability – up to £2m as standard
• Employers Liability – up to £10m as standard (£5m for acts of terrorism
• Legal Expenses – up to £100,000 to defend your legal rights.

with options to add:

• Buildings cover – cover for your premises , including subsidence cover
• Additional Computer Cover – covers cost of reinstating programs or data accidentally or maliciously erased
• Business Interruption – covers loss of income caused by insured events, or loss caused by specified illnesses
• Terrorism – covers damage to your property as a result of terrorism up to the sums insured.

And to help your cash flow there’s no interest to pay for spreading your payments by monthly direct debit and no charges for making changes to your cover. 

For further details of the benefits and exclusions that apply, please take a look at the Office Insurance Policy Summary and Office Insurance Policy Document before you buy. Terms and conditions apply to the benefits listed.

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669.

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Complete Office Cover

• Office Contents – including glass breakage cover as standard 
• Money and Personal Assault - up to £250,000 for crossed cheques, up to £5,000 cash cover (£1500 out of hours in a locked safe)
• Public Liability  - up to £2m cover for your legal liability to the public for accidental injury or accidental damage to their property
• Employers Liability – covers legal liability for death or injury to your employees, up to £10m (£5m for acts of terrorism)
• Legal expenses – up to £100,000 to defend your legal rights for a variety of proceedings in connection with your business 

Optional Covers

• Buildings – all risks cover for buildings
• Additional Computer cover – includes cover for damage caused by accidental failure of the power supply
• Business Interruption – covers loss of income by an insured event, with selectable limits of cover
• Terrorism – covers damage to your property by acts of terrorism

Included within your policy are a range of additional benefits:

• 24 hour Legal Advice Telephone Helpline – for advice on any business legal matter
• 24 hour Glass Replacement – use our preferred supplier and all you pay is the excess and the VAT, we take care of the rest
• Online Legal Support – business support to help you produce legal documentation for your business
• Business Advice Helpline – access to a team of skilled, experienced business experts for advice on anything from management techniques to marketing or technology

For further details of the significant benefits and exclusions that apply, please take a look at the Office Insurance Policy Summary or for full details of all the terms and conditions the Office Insurance Policy Document before you buy. Terms and conditions apply to the benefits listed.

Get a Office Insurance quote    Retrieve a Office Insurance quote 

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669 

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc 

Have you considered Professional Indemnity Insurance?
Do you require Commercial Vehicle?

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

If this product does not meet your exact requirements, please call the Business Insurance Centre on 0800 048 1669, where you can tailor your cover to meet your needs.
Welcome to the Lloyds TSB Frequently Asked Questions section for Complete Office Insurance.

Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quote date.
Q: How far in advance can I get a quote?
You can obtain anytime, but it will expire after  60 days, so it’s best to get one no more than 60 days before you need cover to start.
Q: What if I don't know the date of a previous claim when completing the application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: What if I don't know the amount of a previous claim when completing the application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: How many claims can I have had previously?
In order to obtain an online quotation your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past three years. If this is not the case you may still be able to get a quote for Essential Business Insurance but you will need to call the Business Insurance Centre on 0800 048 1669.
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the Office Insurance Policy Document. Alternatively, a summary of the significant exclusions can be found in the Office Insurance Policy Summary. In addition, when you buy, any additional exclusions or conditions specific to you will be explained, and then detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this product vary by section as follows:
Contents - £200 (£500 for theft without forcible entry); £1000 for damage by subsidence
Legal Expenses  - £500 (£1750 for cases of employment claims)
Buildings - £200 (£1000 for subsidence claims)
Additional Computer cover - £100
For further details please refer to the Office Insurance Policy Summary.
Q: What is public liability cover?
Public liability is designed to cover you against your legal liability in connection with your business to pay compensation and claimants costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability
Q: What is employer's liability cover?
Employers' Liability is designed to cover you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf 
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Insurance Business Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to the business insurance centre as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that you tell the business insurance centre your trade in detail as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What is the maximum number of people I can cover under this policy?
There is no limit on the number of staff you can employ under this policy.
Q: What covers are available under this product?
The following covers are available:
Office Contents
Money & Personal Assault
Public Liability
Employers Liability
Legal Expenses
Business Interruption (including Book Debts)
Buildings
Additional Computer Cover
Terrorism
Q: I employ more than 10 people, can you cover me?
There is no limit on the number of staff you can employ under this policy.
Q: Can I get cover if I am a tenant in the property where I run my business?
Yes, Complete Office can cover you.
Q: What minimum level of security must my building have?
The minimum level of security you must have in place is detailed in the Office Insurance Policy Document. In addition, based on your specific details you may be required to install an intruder alarm - this will be detailed in your quote.
Q: How will I know what security my building will need?
The minimum level of security you must have in place is detailed in the Office Insurance Policy Document. In addition, based on your specific details you may be required to install an intruder alarm - you will be alerted in your quote if this is the case.
Q: I don't have an alarm on my property can I still get insurance?
You may not need to have an alarm on your property - this will be based on your specific details. If Essential Business Insurance products require you to install one, it will be shown in your quote.
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria are met.
Q: I have some specialist equipment in my business for my occupation, can I list this somewhere on my policy so I know it is covered?
Should you wish to have any specialist items listed on your policy please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: Can you cover my van under the shop policy?
This cover can not be included under the Complete Office  policy. You can insure your van separately under the Commercial Vehicle policy.
Q: What is the maximum number of staff I can employ?
There is no limit on the number of staff you can employ under this policy.

Quote & Apply now

Get a quote online or call the Business Insurance Centre on 0800 048 1669

Get a Office Insurance quote    Retrieve a Office Insurance quote

Get a quote today

Getting a Complete Office quote is simple. You can even do it all online by following the straightforward online process, receiving your quote soon after submitting your request.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

What will you need?

• The number and amount of any previous claims
• The date you wish the cover to start from
• The number of employees
• Approximate value of property and contents

For further details of the benefits and exclusions that apply, please take a look at the Office Insurance Policy Summary and Office Insurance Policy Document before you buy. Terms and conditions apply to the benefits listed.

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.