What you own and use
Premises, contents, stock and equipment can have different values, locations and policy conditions.
Royal Insurance
Office-based business insurance.
An office-based business may depend on equipment, premises, client information and professional services. We’ll help you consider those needs together.
Get a quote →Already have cover?Review my existing insurance
Understand your optionsCover, excesses and exclusions explained
Ongoing supportFor renewals and claims
Get your quote started.
Tell us a little more about your business.
Start the guided Business Pack enquiry →Financial Services Guide · Authorised representative of Community Broker Network
The details matter
Consider your work as well as your workspace.
The work you carry out
Tell us about your products, customers, staff and subcontractors, including work away from your premises.
Your ability to keep trading
Discuss what could disrupt the business and the information needed to consider business interruption cover.
Before you choose
What we’ll work through.
- Whether you own, lease or share your workspace
- Contents, stock and equipment used away from the office
- Customer visits, professional services and business interruption concerns
These are topics to discuss, not a statement of cover. Terms, limits, exclusions and availability vary by insurer and policy.
What affects the premium?
Your activities or property, insured values or requested limits, claims history and the policy options being considered.
What will you need?
Prepare your business activities, premises details, equipment values and current schedules.
How can Royal help?
We help you compare suitable options available to us and explain the differences. You can also turn to us for claims support and renewal assistance.
An Advisor on your side
Know what happens next.
A clear process, from your first enquiry to your decision.
Start with your current schedule.
Send the information you have. We’ll identify what else is needed for a review.
Request a policy review →We understand the request
We discuss your activities or property, timing and any particular requirements.
We work through the information
We identify missing details and seek suitable options available to us. More complex risks may need further insurer questions.
You understand the options
We explain the proposed cover, costs, excesses and key conditions before you decide. We confirm when cover has been arranged.
Your questions, answered.
What if I work from home or a shared office?
Tell us about the arrangement, who owns the equipment and where you meet clients. Do not assume the building owner’s or household policy covers the business.
Where do I start if I am unsure about cover types?
Choose Help me decide in the Business Pack enquiry and describe your activities. An Advisor will help you work through the relevant options.
Does requesting a quote start my insurance?
No. Sending an enquiry or quote form does not put cover in place. We will explain the next steps and confirm when cover has been arranged.
General information from Royal Insurance. For advice about your circumstances, send us an enquiry.
Ready to discuss your cover?
Start with a few details. A Royal Advisor will help you with the next steps.
Get your quote started