Skip to main content
Protect your business premises, assets, and employees with Lockton Asia's comprehensive office insurance and risk management solutions across the APAC region.
— REAL ESTATE
Office Insurance
Protection as bespoke as your office space
The demands and expectations of office spaces are constantly evolving. But with change comes risk. Every office, whether it’s occupied by a single-floor startup or a multi-site enterprise, faces challenges and unexpected events. You need an 'all risks' policy to protect against physical damage, ensure your rental income continues to flow, and protects your legal liability following third party injury or damage.
You need a partner who understands the risks and helps you build resilience against disruption.
Working with a specialist insurance advisor like Lockton, you can be confident of having the right commercial property insurance for your office building in place. Plus, you’ll benefit from our experience placing some of the largest and most complex office property insurance across the UK and Europe. From property protection to business continuity and cyber insurance, we’re ready to deliver bespoke and innovative solutions - built around your building. We’re by your side and on your side. Ready to help you protect what matters most: your tenants, your property, and your plans for growth.
Meet Asset Connect®
Streamline residential property portfolio management with Asset Connect®. Real-time insights, ESG tracking, and risk data - all in one secure dashboard, supported by insurance knowledge for full optimisation.
Learn moreWhat we bring to your business
Commercial office building insurance can be structured around the risks and income streams associated with your property. Your programme may include:
Property damage, including terrorism
Business interruption, including loss of rent and service charge
Non-damage loss of attraction and prevention of access
Turnover rent, car park and other income
Property owners’ liability
Cyber damage and liability
Engineering insurance and inspection
Crisis preparation and response, including brand, reputational and security costs
Annual contract works
Claims advocacy
Proactive risk management advice
Who we cover
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Investment Fund Managers
Asset Managers
Property Managing Agents
Property Owners
Private Equity Firms
Pension Schemes
Property Developers and Project Managers
Meet the team - Asia Regional
Frederic Boles
Head of Professional Executive Risks & Credit - Asia
Jonathan Miles
Regional Senior Vice President, Reinsurance APAC
jonathan.miles@lockton.com
+65 9647 0755
Melody Qian
Senior Vice President - Greater China
melody.qian@lockton.com
+852 2250 2672
General Enquiries
Office FAQs
How can I ensure my office is fully protected against both physical and non-physical risks?
To fully protect your property, it’s crucial to have a comprehensive office insurance package in place that includes property damage, like fire or vandalism, but also extends to more complex threats like terrorism, cyber-attacks and liability for accidents. Non-damage business interruption cover ensures that - even if your buildings’ operations are disrupted without physical harm, for example by for example by prevention of access or prevention of access - your income will remain protected. Tailored coverage that includes risks like brand damage, security costs and crisis response ensures your property remains resilient in the face of all potential threats.
How can business interruption insurance safeguard my revenue streams if access to the office is restricted?
Business interruption insurance protects your revenue if external factors prevent staff from reaching your site - particularly if it includes cover for non-damage prevention of access. Whether it's a security incident, ongoing construction in a nearby area, or road closures, the right business office insurance will compensate you for lost income streams, including car park fees, rental income and service charges. So your finances remain stable until access is restored.
As a property owner, how can I manage liabilities that could arise from tenants or third parties at my office?
Property owners’ liability insurance protects you against the financial impact of accidents or injuries on your premises, whether they involve tenants or third-party contractors. Property owners’ liability is an essential for protection against costly legal claims and helps manage the financial impact of any incidents that occur within your office.
Does it cover tenant improvements and alterations?
This depends on who owns the improvements and the wording of the lease and insurance policy. Landlords should establish whether items such as partitions, shop fittings or other alterations are considered part of the building or the tenant's property.
What is Office Building Loss of Rent and Service Charge Insurance?
Business interruption cover can protect rental income and service charges when disruption affects an office building. Depending on the programme, cover can also extend to turnover rent, car park and other income, as well as non-damage loss of attraction or prevention of access. The appropriate scope should reflect the building and the income streams that need protection.
What is the difference between a Sum Insured and a Declared Value on my Policy Schedule?
Your Policy Schedule will often show two values: one referred to as the Declared Value and the other as the Sum Insured. The difference between these two figures is simply how the insurance contract handles inflation during the insured period.
The Declared Value is the cost to rebuild your property in full, however you do not need to add any increase for inflation during the insured period or during the time it takes to rebuild the property following a claim.
A “Day One” Clause provides protection against the effects of inflation during the period of insurance for a given percentage uplift figure. The percentage uplift will vary from insurer to insurer but will typically be between 10% and 50%.