Premises liability
Injury to members, their guests and visitors in the space.
Business Insurance
Coworking space insurance for shared offices.
Dozens of businesses you do not control, working in a building you are responsible for. That is the shape of the risk.
Coworking operators run a hospitality-like business with an office fit-out. Members come and go constantly, bring their own equipment and clients, and use shared facilities — while the operator carries the premises liability for all of it.
Members, their property and their clients
Your policy covers the space and your own contents. Members' laptops and equipment are their property, and the membership agreement should say so clearly — disputes over a stolen laptop are common and are avoided by writing it down.
Members bring visitors, run events and occasionally do things the building was not designed for. Requiring members to carry their own liability cover, and saying so in the agreement, is the practical protection.
What it covers
The parts of a coworking space insurance policy
Fit-out and contents
Furniture, partitions, AV and the build-out you paid for.
Business interruption
Membership income lost while the space cannot be used.
Cyber liability
Shared network exposure and member data you hold.
Working with us
What we do differently
We are an independent agency, so we place your coworking space insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- State clearly in the membership agreement that members insure their own property
- Require members to carry their own liability cover
- Insure the fit-out properly — in a leased building it is usually yours
Common questions
Coworking Space Insurance, answered
Am I responsible for members' equipment?
Generally not, but the membership agreement should say so explicitly. Disputes over stolen or damaged laptops are common and are best settled by clear wording rather than after the event.
Should members carry their own insurance?
Yes, and requiring it in the agreement is standard practice. Members run their own businesses, bring clients in and hold their own equipment.
Do I need cyber cover?
Worth considering. You provide a shared network and hold member data, both of which create exposure that a property and liability policy does not address.
Related cover
Often arranged alongside this
Office Building Insurance
You insure the structure, the common areas and the rent. The tenants insure everything they brought with them.
Read moreLessors Risk Insurance
You own the building, someone else runs the business inside it. What your tenants do changes your risk more than the building does.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
Read moreReady for a coworking space insurance quote?
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