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Protect the equipment your business relies on
Business contents insurance makes sure you’re covered if your kit gets lost, damaged or stolen.
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What is business contents insurance?
Business contents insurance provides critical financial protection for your company's vital equipment, furniture, and stock. It can shield your business from potential losses due to fire, theft, vandalism, flooding, and accidental damage.
Key benefits:
Comprehensive protection for office equipment
Financial safeguarding of essential business assets
Rapid recovery support after unexpected incidents
Minimises operational disruptions
The right policy acts as a crucial safety net, protecting your most valuable business resources and helping you navigate potential challenges.
How does business contents insurance work?
Business contents insurance provides compensation if you need to replace something that has been damaged or lost.
It works in a similar way to home insurance. When you apply for cover, you’ll need to work out exactly what needs to be protected and how much it is worth. It's essential you're honest and accurate during the application process, you might find you aren’t covered when you need it if not.
It’s a good idea to scrutinise the policy before signing up, as you’ll want to make sure it includes all the protection you need. Not every policy is the same, which is why a tailored business contents insurance policy works well to ensure maximum protection.
If you make a claim, you'll need to give details of what's happened and the impact on your business. Your insurance provider will then assess the claim and you'll find out what compensation can be offered.
SMEs that bought business insurance[1]
49%
What do business contents insurance policies cover?
Covered
Disasters such as flooding or fires
Theft
Accidental damage
Not covered
Wear and tear
Some policies exclude damage caused by animals
Damage you or your employees cause through negligence
Should I get business contents insurance?
It’s not a legal requirement to have business contents insurance, but that doesn’t mean you shouldn’t take it into consideration.
If you aren’t sure whether to get business contents insurance, then a useful exercise is to calculate how much you could lose in stock or equipment if something went wrong. This exercise will highlight whether you can afford to replace it and get your business up and running again.
Business contents insurance normally covers items like your office equipment, furniture, tools and personal possessions on your premises. Some insurers may cover portable items like phones and laptops even if these are lost, stolen or damaged outside of the business premises.
How can I choose the right business contents insurance?
Before choosing your business contents insurance, consider the following steps:
Check the value of your assets
The first step is to establish what you want to cover and its value as this will mean you get adequate cover. If you undervalue your items, you could miss out on cover and there’s no point overpaying for insurance you don’t need.
Combine contents cover
Once you know what equipment to cover, it’s worth exploring which other types of insurance you need to make sure you can get a policy that protects you from all the different risks you face.
Compare policy terms
It’s important to compare policies to make sure you are getting the best insurance for your needs. Don’t just rely on the cheapest, as this might mean you are missing out on cover you could need in the future.
How much does business contents insurance cost?
The cost of business contents insurance will depend on which insurer, limit and excess you choose.
Your quote will also take into account the size of your business, the type of business you run, your annual turnover and claims history.
The table shows typical monthly premiums for business contents insurance.
| Business | From* | To** |
|---|---|---|
| Hair and beauty | £11.36 | £39.61 |
| Healthcare | £4.57 | £38.55 |
| Media | £1.41 | £16.28 |
| Professional services | £3.20 | £56.00 |
| Retail | £2.80 | £27.74 |
| Tech | £2.32 | £27.75 |
| Online retailers | £8.28 | £64.30 |
*10% of customers paid this much, or less, between October and December 2024.
**90% of customers paid up to this much between October and December 2024.
Other types of insurance to consider
Public liability insurance
Public liability insurance is there to cover you if a member of the public sues your business for causing an injury or damaging their property.
Professional indemnity insurance
Professional indemnity insurance is designed to protect businesses that offer services to others.
Employers’ liability insurance
Employers' liability insurance provides cover against legal liabilities and costs that arise if your employees become ill or injured due to their work.
Goods in transit insurance
Goods in transit or GIT insurance offers protection for goods that are being moved from one location to another.
Other types of insurance to consider
Public liability insurance
Professional indemnity insurance
Professional indemnity insurance is designed to protect businesses that offer services to others.
Employers’ liability insurance
Employers' liability insurance provides cover against legal liabilities and costs that arise if your employees become ill or injured due to their work.
Goods in transit insurance
Goods in transit or GIT insurance offers protection for goods that are being moved from one location to another.
FAQs
Is business contents insurance a legal requirement?
Business contents insurance is not legally required, but it’s highly recommended for protecting your assets. While the law doesn't mandate it, going without this coverage can lead to significant financial risks if your equipment, stock, or property is lost, damaged, or stolen. Having business contents insurance in place ensures that your business can recover more quickly and avoid costly disruptions, safeguarding your operations from unforeseen events.
Will business contents insurance cover stock and equipment in storage?
Business contents insurance typically doesn’t cover stock or equipment stored off-site or in locations other than your primary business address. However, some policies may allow you to add coverage for storage spaces. It’s important to review your policy details to understand what’s included. If storage isn’t covered, you may want to consider purchasing standalone insurance specifically for items stored off-site, ensuring full protection for your business assets.
Is business contents insurance tax deductible?
Yes, business contents insurance is typically tax deductible, as long as it’s used exclusively for business purposes. This means you can subtract the cost of your insurance premiums from your taxable income, potentially reducing your overall tax liability. However, it's important to consult with an accountant or tax professional to ensure you're complying with tax laws and maximising any potential deductions for your specific business situation.
Do I need business insurance if I work from home?
When you work from home, you're exposed to dual risks that can impact both your personal and professional assets. Standard home insurance often fails to cover business equipment and professional activities, which could leave you vulnerable.
Business insurance can fill critical coverage gaps. Tools, electronics, inventory, and specialised equipment will generally need dedicated protection, so that in the event of theft, fire, or any other type of damage occurring, you and your business can quickly recover.
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References
1. Money UK Business Insurance Statistics 2024 49% of UK SMEs having some level of business insurance