Office Package Insurance
Specialist Office Package Insurance Broker
What does office package insurance cover?
An office package insurance policy combines a set of covers specifically designed for office-based businesses — protecting your premises, your contents, your liability exposures, and your income under one policy. Unlike a generic business insurance package, an office package is structured around the risks specific to professional services firms, tenanted office spaces, and businesses that rely on their IT infrastructure and client-facing operations.
Office contents and fit-out
Furniture, equipment and leasehold improvements
Covers your office furniture, computer equipment, AV systems, and leasehold fit-out against fire, theft, storm, and accidental damage. Many office leases make tenants responsible for their own fit-out improvements — if your office is damaged or destroyed, contents cover ensures you can replace what you have invested without bearing the full cost yourself. Sums insured should reflect the current replacement cost of your fit-out, not the original cost from years ago.
Glass and signage
Shopfront glass, office partitions and external signage
Glass and signage cover replaces broken shopfront glass, internal glass partitions, and external signage following accidental breakage or vandalism. Many commercial leases specifically require tenants to hold glass insurance — and the cost of replacing floor-to-ceiling office glass or custom signage without cover can be significant. This cover is often excluded from standard contents policies and needs to be specifically included in your office package.
Property damage to leased premises
Your liability for damage to a landlord's property
Most commercial office leases make tenants liable for damage caused to the landlord's building fabric — walls, ceilings, floors, and building services — during the tenancy. If a fire starts in your kitchen, a burst pipe damages the building structure, or an accident causes structural damage, you may be held responsible for repair costs that run into tens of thousands of dollars. Damage to premises cover specifically addresses this exposure, which standard contents policies often exclude.
Public liability for office visitors
Injury or damage to clients and third parties
Public liability insurance covers claims for injury or property damage caused to clients, visitors, or members of the public at your office premises. A client who slips on a wet floor in your reception, a delivery person injured in your building, or damage caused to a neighbouring tenancy — all of these can result in significant liability claims against your business. Most commercial leases also require tenants to hold a minimum public liability limit, typically $10 million or $20 million.
Management liability
Directors, officers and employment practices
Management liability insurance protects the directors, managers, and officers of office-based businesses from claims related to employment practices, mismanagement, and regulatory breaches. For professional services firms employing staff, the risk of unfair dismissal claims, workplace bullying allegations, and discrimination complaints is significant — and these claims are not covered by public liability or professional indemnity. Management liability covers legal defence costs and any compensation awarded.
Cyber insurance for office networks
Data breach, ransomware and cyber incident response
Cyber insurance covers office-based businesses for the costs of a data breach, ransomware attack, or cyber incident — including forensic investigation, client notification, regulatory fines, and business interruption losses from system downtime. Professional services firms holding sensitive client data — financial records, legal files, medical information — face significant regulatory exposure under Australia's Notifiable Data Breaches scheme if client data is compromised without adequate response.
Business interruption
Lost income when your office cannot operate
Business interruption insurance covers the revenue your professional services firm loses if your office is damaged and you cannot operate — whether from fire, storm, flood, or another insured event. For billing-based businesses like law firms, accounting practices, and consultancies, even a few weeks of downtime can represent significant lost income that the property repair costs alone do not cover. BI cover bridges that gap and covers fixed costs like rent and salaries while your office is being restored.
Your Dedicated Office Package Insurance Broker
Aimee Henderson
Senior Insurance Broker — Business, Liability & Corporate Programs
Aimee Henderson is your dedicated insurance broker specialising in office package insurance for professional services businesses across Australia. With over 18 years of commercial broking experience across WA and New Zealand, Aimee understands the specific insurance requirements of office-based businesses, from lease obligations and fit-out cover to cyber risk, management liability, and business interruption for billing-dependent firms. Accountants, lawyers, consultants, financial planners, and professional services firms trust Aimee to structure the right office package, compare it across 150+ insurers, and be there when a claim happens.
EXPERIENCE
18+ years in insurance broking
LOCATION
Perth, Western Australia
QUALIFICATIONS
Diploma in Financial Services (Insurance Broking) · NIBA QPIB · ANZIIF Senior Associate CIP · Tier 1
Award-Winning Insurance Broker Serving Perth Businesses
2025IB Elite Women
Insurance Business Australia · Winner
2025Broker of the Year
Insurance Business Australia · Finalist
2024Global 100
Insurance Business Worldwide · Winner
Office package insurance — who needs it?
Any business that occupies a commercial office space needs office package insurance — whether you own the premises or lease them. The specific covers you need vary by occupation, the nature of your client interactions, and what your lease requires. Here is how office package insurance applies to the most common professional services occupations.
Accountants & bookkeepers
Public practice and advisory firms
Accounting firms hold highly sensitive client financial data — making cyber insurance a critical component of any office package. Combined with public liability for client visitors, management liability for employment practices, and business interruption for the loss of billing revenue during a system outage or office closure.
Law firms & solicitors
Legal practices and conveyancing
Law firms hold client trust funds and confidential legal files — creating significant data breach exposure alongside the standard office risks. An office package for a legal practice typically includes contents, glass, public liability, cyber insurance for client data, and management liability for partnership and employment disputes.
Financial planners & advisers
AFSL holders and financial services firms
Financial planning offices hold sensitive client investment and superannuation data and are required to meet ASIC's minimum insurance obligations. An office package for a financial services firm includes cyber cover for client data, management liability for regulatory breach, and business interruption cover for the loss of ongoing fee income during an office closure.
Architects & designers
Architecture, interior design and urban planning
Architecture and design firms typically hold high-value drawing equipment, large format printers, and significant digital asset libraries. An office package covers the fit-out and equipment, public liability for client meetings and site visits, and business interruption for the loss of project fees during an extended office closure.
Engineers & consultants
Engineering, technical and advisory consulting
Engineering and technical consulting firms often occupy leased office and laboratory space with significant equipment and IT infrastructure. An office package covers the premises and equipment, public liability for client and contractor visits, and management liability for employment practices across larger consulting teams.
Real estate agencies
Sales, property management and buyer's agents
Real estate agencies operate from high-traffic shopfront offices with regular client visits — creating significant public liability exposure. An office package for a real estate agency typically includes glass and signage cover for prominent shopfronts, public liability for client and vendor meetings, and business interruption for lost commission revenue during an office closure.
Marketing & creative agencies
Advertising, digital, PR and communications
Marketing and creative agencies hold expensive AV equipment, production hardware, and significant digital asset libraries. An office package covers the fit-out and equipment against theft and accidental damage, cyber insurance for client data and campaign assets, and business interruption for the loss of retainer income during a system outage or office closure.
IT & technology firms
Software, SaaS, managed services and IT consulting
IT and technology businesses face the highest cyber exposure of any office-based industry — both as potential targets and as businesses responsible for managing client systems and data. An office package for a tech firm prioritises cyber insurance for first and third party losses, management liability for employment disputes in fast-growing teams, and contents cover for high-value server and networking equipment.
Recruitment & HR firms
Executive search, labour hire and HR consulting
Recruitment and HR firms hold significant candidate and client data — including personal identification, employment records, and salary information. An office package includes cyber insurance for data breach exposure, management liability for employment practices claims (particularly relevant given the nature of their work), and public liability for client and candidate meetings.
Medical & allied health practices
GPs, specialists, physios and allied health
Medical and allied health practices operate from purpose-fitted clinical offices with significant equipment, sensitive patient data, and high foot traffic from patients and carers. An office package covers the clinical fit-out and equipment, public liability for patient visits and waiting areas, and cyber insurance for patient record systems — one of the most heavily regulated data categories in Australia.
Management consultants
Strategy, operations and business advisory
Management consulting firms typically operate lean offices with high-value laptop and presentation equipment and significant travel exposure. An office package covers the equipment and fit-out, public liability for client meetings, and business interruption for the loss of project and retainer income during an office closure or system outage.
Not listed here?
Any office-based business can benefit
If your business operates from a commercial office space — whether leased or owned — an office package insurance policy is almost certainly relevant. We arrange office package insurance for any professional services or office-based business. Contact us and we will structure the right combination of covers for your specific occupation, lease, and risk profile.
Get the right cover for your office.
Speak with a business insurance broker today. We'll assess your risks, compare policies across multiple insurers, and arrange cover tailored to your industry — with no hidden fees.
