Office Insurance

Fast, affordable coverage from America’s
leading small business insurer.

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Speak with a licensed insurance agent: 1-866-283-7545

Call a licensed agent

Monday – Friday, 7am – 10pm ET M–F, 7a –10p ET

Why do I need office insurance?

Do you own your office and need to make sure it is protected? This optional upgrade provides small office insurance for buildings your business owns.

What is covered?Checkmark icon

  • Building property
  • Physical damage or loss
  • Newly acquired property
  • Lost business income
  • No deductions for depreciation

What is not covered?Minus icon

  • Earthquakes, floods and volcanoes
  • Utilities
  • Computer testing, installation or repair

Office buildings insurance does cover:

Building property

Your Hiscox building coverage includes the building structure, property used to maintain the building, indoor fixtures and flooring.

Physical damage or loss

Your office building insurance protects you against risks like fire, lightning, explosion, windstorms, hail and smoke damage. Damage caused by vandalism is also covered.

Newly acquired property

We provide up to $250,000 of temporary coverage for a newly acquired or constructed building that you've owned for up to 30 days. After that time, you need to inform us to continue your office building insurance on that newly acquired or constructed building.

Lost business income

Since we understand how devastating a disaster can be, Hiscox small business insurance will pay the income your business loses and extra expenses incurred for up to 12 months if you cannot operate your business as a result of damage to your insured building. This would include up to 60 days of ongoing employees payroll expenses.

No deductions for depreciation

Buildings protected under a business owners insurance policy are valued at their replacement cost (not the market value). There is no deduction for depreciation. However, you must insure at least 80% of the value of your insured building or you may not be able to recover the full amount of losses you incur.

Start the quote process now. Get your business owners insurance quote, that includes office insurance online now, or call one of our licensed advisors at 1-866-283-7545 during Monday – Friday, 7am – 10pm ET. We would be happy to help.

Office insurance does not cover:

We want you to understand our commercial property insurance. That’s why we’re open about what we do and don’t cover. The following is a list of key items we don’t cover.


Earthquakes, floods and volcanoes

We won’t cover you for losses caused by earthquakes, floods or volcanoes.


Hiscox will not cover damage to your property caused by the failure of a power, communication or another utility service supplier.

Computer testing, installation or repair

Your office building insurance does not cover any losses that arise from any damage to your building because of mistakes in the design, installation, testing, maintenance or modification of your computer systems.

Hiscox Customer Reviews

Hiscox rated 4.7/5
Rated 4.7/5

5 Stars

Mario, Richmond, VA

“Great for my small business”

I am glad that I found this group and it shows the real interest on my business and making it easy to understand, I am happy thanks


5 Stars

Jay, Bennett, CO

“Very positive”

The online assistance was prompt and most informative.


5 Stars

Robert, Spokane, WA

“Great Service”

They were able to help me understand a process that was new to me so I could select the coverage I need.


4 Stars

Jyoti, Methuen, MA

“We appreciate your help at every step. Thanks”

Very Good experience


5 Stars

Libertad, Port St Lucie, FL

“Excellent customer service”

Great price


5 Stars

Sheritta, Garden City, MI

“Simple and Streamlined Process!”

Ease of purchase and ability to pay for and print policy was easy and exactly what I needed. Great online experience. Keep up the Good Job!

See More Reviews

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.