- Our UK Team are online and ready to take your call: 01617110304
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FCA Regulated Advisor
Many UK Businesses Protected
- Specialist Policies
- No hidden fees or excess
- FCA Regulated
- Instant same-day cover
office insurance for businesses, professionals, and office-based teams.
We provide highly tailored premium cover for workspaces, contents, custom fixtures, and technical assets.
Our solutions shield directors, hybrid offices, and corporate operations from liabilities.
Tech Assets
PC / Servers cover
Liabilities
Public & Employers
Premises
Owned or rented
150+
Collective years of industry knowledge
(Office Cover Features & Policies)
Comprehensive cover designed for corporate office demands.
Whether you manage a hot-desk network or private office, all protections bundled inside a single quote.
Data and Cyber Protection
Safeguard your office's virtual workstations, server stacks, client portals and cloud configurations against malware, phishing and remote breaches.
Immediate Hardware Breakdown
Express 24-to-48-hour repairs and replacement dispatch for server computers, network switches, laptops or engineering hubs.
Employers' Liability (£10M)
Fulfill statutory UK requirements for full-time, part-time or hybrid workforce while shielding directors from personal litigation.
Tenant Alterations & Fixtures
Cover for structural partitions, customised boardrooms, soundproof pods, acoustic ceilings and built-in reception counters.
Business Interruption Buffer
Localised operational damage subsidies to offset lost earnings, relocate operations or sustain payroll during downtime.
Public Liability & Visitor Safety
Protection against compensation lawsuits and legal fees arising from visitor slip-and-fall accidents on your site.
Need cyber liability or higher hardware valuation?
Answer simple questions in our quote system to configure personalised policy caps.
(Industries We Insure)
Trusted by every kind of working office.
From two-person studios in converted warehouses to whole corporate floors — we tailor cover around the way you actually work.
Tech & SaaS Studios
Server stacks, dev kits and laptops insured to replacement value with rapid hardware swap-out.
Professional Services
Accountants, consultants, agencies and law firms — PI bolt-ons and full directors' liability available.
Clinics & Practitioners
Treatment rooms, reception areas, patient records and high-value equipment kept compliant and covered.
(How it works)
What you need to get
an office insurance quote.
01
Tell us about you and your office
Share your business details, office setup, team size, equipment value, and any key risks we should know about.
02
We compare suitable options
A Spencer Hayes broker reviews your details and compares office insurance options that fit your business.
03
You get covered
We explain the recommended cover clearly, help you arrange the policy, and stay available for changes, claims, and renewals.
(Talk to a Specialist Today)
Cover your
office before
Monday morning.
Speak to a broker in the UK. Get a tailored office policy and a same-day certificate sent to your inbox in most cases.
Mon–Fri · 09:00–17:00 GMT
(The Difference)
Why choose
Spencer Hayes Group?
01
Office Insurance from a wide range of leading UK insurers.
02
Cover for commercial offices, private suites and shared co-working desks against fire, flood and break-ins.
03
Building structure and fixtures insured up to £10m (optional add-on for desk owners).
04
High-end tech, servers, workstations and contents insured up to £5m.
05
Public Liability cover of £5m included as standard.
06
Employers' Liability up to £10m to comply with UK regulations.
07
Business Interruption and loss of income cover as standard.
08
Experienced UK-based corporate specialists supporting your claims 5 days a week.
09
Instant policy formulation and digital certificates in seconds.
10
Monthly payment options available, subject to insurer terms and eligibility.
The benefits of Spencer Hayes.
Feel confident in your choice
With over 150+ years experience combined of insurance knowledge.
We're proud to serve the UK
Helping businesses across the UK with their commercial insurance.
Your insurance documents sent instantly
Digital policy documents issued promptly once cover has been arranged.
Client voices
Trusted by hundreds of UK landlords
and property owners
T
Tzali Stern
We used Spencer Hayes for our insurance policy, and his service was outstanding, from speed to efficiency, would highly recommend
N
Nat Wainwright
Spencer Hayes Group are fantastic! Special commendation goes to Marc who support with our Head Office and Network Partner Accounts. No query is ever too big or too small, they deal with everything as a priority. They share updates and great ideas with us without being asked too and they take time out of their days to help and support their clients whatever their needs. The operational time they have given back to me just in being approachable to reach out and ask questions or to handle situations for me has been invaluable. I highly recommend them!
E
Edward Wynn
I really can't fault their approach, integrity and knowledge of the insurance market. They took a thorough approach to reviewing and ascertaining needs and went away to come back with well thought out recommendations. All queries where dealt with quickly and easily and they saved me money! Strongly recommend.
M
Murray Kettle
Exceptional service and good rates. When the company insurance requirements were handed over to me I fully expected to be able to switch and save money. Comparisons were comparable so I stayed and after one and a half years now I am so pleased I did. The service has been exceptional. This is how insurance should be.
D
Danny Clayton
Spencer Hayes is a fantastic insurance company. Many times I get calls from companies trying to sign me up but they do not have the experience and expertise as Spencer Hayes. Highly recommended.
S
Satish Umeria
I was highly recommend by my existing insurance company to get a quote from Spencer Hayes as they could not get a competitive price, Mr Mike Kirker at Spencer Hayes dealt with my requirements for cover in a very Highley professional manner and got the best quote. Responce and communication by email were fast and respond time at a very high level. Regards. Satish.
(FAQ)
Frequently asked questions.
Why do I need office insurance?
Office insurance — also called commercial workspace or business premises insurance — is essential for corporate entities, tech startups and freelancers. Correct equipment cover and public liability packages protect your physical assets (laptops, server hubs, desk chairs) and safeguard against expensive personal injury lawsuits, letting you focus on scaling your operations safely.
Can I cover myself for business interruption and hardware breakdown?
Yes — both are configurable as core or optional modules in your policy. Business interruption replaces lost income during insured downtime; hardware breakdown dispatches express repairs or replacements for failed servers, switches and workstations.
Does home insurance differ from office insurance?
Substantially. Home insurance excludes commercial use of a property. Office insurance is built around business equipment, employee liability, public access and the regulatory obligations of a trading entity.
Can I insure more than one office location with a single policy?
Yes — multi-site office cover consolidates several locations under one renewal date with a single point of contact, often at sharper rates than individual policies.
A private broker for commercial property. Tailored property insurance, with rates you won't find on a comparison site.
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Talk to a broker
01617110304
Mon–Fri, 9am–5:00pm
Spencer Hayes Group
Authorised & regulated by the FCA. Cover for residential, commercial and unoccupied properties across the UK.
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