01
Office Contents
Cover may include office furniture, fixtures, computers, equipment and other business contents, subject to the policy wording and declared values.
Business Protection
Practical insurance protection for offices and business premises.
Trusted Union helps businesses review office and business package insurance in the context of premises, contents, equipment, landlord requirements, operational risk and business continuity.
Office and business package insurance can help protect the practical assets and liabilities that sit behind day-to-day operations.
For many businesses, the need for cover is driven by a lease, landlord requirement, office fit-out, client contract, equipment exposure or the simple need to keep the business operating after a loss.
Trusted Union helps businesses review office and business package insurance in a structured way, looking at premises, contents, equipment, public liability, business interruption, lease obligations and insurer options.
Our role is to help clients understand what is actually exposed, what the lease or contract may require, and whether the current cover remains suitable as the business changes.
Key Areas of Cover
How we support you across the area.
02
Office Equipment and Technology
Businesses relying on laptops, servers, phones, printers and specialist equipment should review whether these assets are properly reflected in the policy.
03
Public Liability
Office and business package policies may include public liability cover for third-party injury or property damage arising from the premises or business activities.
04
Business Interruption
Business interruption cover may help protect loss of income or increased costs following certain insured damage events, subject to policy terms.
05
Tenant Improvements and Fit-Out
Where a business has invested in renovation, fit-out, fixtures or improvements, these should be reviewed carefully against lease responsibilities and policy definitions.
06
Additional Package Extensions
Depending on the insurer, package policies may include or offer extensions such as money, glass, employee dishonesty, equipment breakdown or portable equipment cover.
Who It May Be Relevant For
- Professional firms
- Consulting and advisory businesses
- Offices and regional teams
- Studios and creative agencies
- Retail and service businesses
- Technology and media companies
- Businesses with leased premises
- Companies with office fit-out or tenant improvements
- Larger groups with Hong Kong office locations
- Businesses responding to landlord or lease insurance requirements
What Trusted Union Reviews
A structured review, item by item.
Where the information is available, a review typically looks across the following.
- Office location and premises type
- Lease or landlord insurance requirements
- Office contents and equipment values
- Tenant improvements and fit-out responsibilities
- Public liability requirements
- Business interruption exposure
- Stock or sample exposure where relevant
- Portable equipment and laptops
- Money, glass or crime-related extensions
- Fire and water damage exposure
- Security and building management arrangements
- Claims history
- Current policy limits and exclusions
- Insurer appetite and renewal terms
- Whether the policy reflects current operations and values
The Trusted Union Approach
Business insurance structured around real commercial risk, contracts and continuity.
Why It Matters
Why a structured review matters.
Office insurance is often treated as simple administration, but gaps can appear quickly if the business moves premises, grows headcount, changes equipment, renovates the office or signs a new lease.
A landlord may require specific public liability limits. A lease may make the tenant responsible for certain improvements. Equipment values may no longer be accurate. A business interruption period may be too short. Portable laptops may not be covered in the way the company expects.
A structured review helps businesses align the policy with the premises, lease obligations and practical operating risk.
Why Trusted Union
Advice held to a consistent standard.
Premises and Lease Awareness
We review office and business package cover in the context of premises, lease obligations and landlord requirements.
Practical Risk Review
We help clients think through contents, equipment, fit-out, public liability and business interruption exposure.
Market Access
We work with local and international insurers and help clients understand suitable package options.
Renewal and Values Check
We help businesses review declared values, policy limits and changes in operations before renewal.
Support Across Business Sizes
We support professional firms, founder-led businesses, regional teams and larger corporate groups with local office risk exposure.
Common Questions
Questions we’re often asked.
What is office and business package insurance?
It is a commercial insurance package that may cover office contents, equipment, public liability, business interruption and other practical business risks, depending on the policy.
Is public liability included?
It may be included or available as part of the package, but this depends on the insurer and selected policy structure.
Do we need cover for tenant improvements?
If the business has paid for office fit-out, renovation or improvements, these should be reviewed carefully against the lease and policy wording.
What values should be declared?
Businesses should review office contents, equipment, laptops, fit-out, stock and other insured assets so that sums insured remain appropriate.
Does this cover laptops outside the office?
Portable equipment cover may be available, but it depends on the policy wording and selected extensions.
Can Trusted Union review landlord insurance requirements?
Yes. We can review lease or landlord insurance clauses and help identify whether the current policy appears aligned with those requirements.
Should office insurance be reviewed every year?
Yes. Premises, equipment values, headcount, fit-out and business activity can change, so the policy should be reviewed before renewal.
Request a Confidential Review
Request a Confidential Review.
Start with a structured conversation about the area of insurance you would like to review.
Request a Confidential Review