Office Insurance for Solicitors & Law Firms
Standard office insurance is not designed for legal practices.
Solicitors face unique risks — sensitive client files, regulatory scrutiny, high-value equipment, and strict business continuity expectations. A generic office policy often leaves dangerous gaps.
SRS Insurance provides a bespoke Office Insurance solution for solicitors, specifically structured for law firms, partnerships, LLPs and regulated legal practices.
Why Solicitors Need Specialist Office Insurance
Law firms operate differently from typical offices. Insurers recognise that solicitors present:
- Higher sensitivity to business interruption
- Regulatory exposure if operations are disrupted
- Confidential client files and documents on site
- Dependence on IT, case management systems and records
- Increased reputational impact following physical losses
Firms regulated by the Solicitors Regulation Authority are expected to maintain adequate systems, controls, and continuity. Office insurance plays a key role in this.
What Makes Our Office Insurance Bespoke for Solicitors
Our policy is not an off-the-shelf commercial combined product. It is structured specifically around legal practices.
Key differences include:
- Higher scrutiny of business interruption triggers
- Cover aligned with PI, cyber and management liability
- Protection for confidential legal material
- Practical claims handling for regulated firms
What Does Solicitors’ Office Insurance Cover?
Buildings Insurance (Where Required)
- Solicitors’ offices (owned premises)
- Alternative accommodation following insured damage
- Landlord interests where applicable
Office Contents & Equipment
- Furniture, fixtures and fittings
- Computers, servers and office equipment
- Specialist legal and document storage equipment
Cover can be arranged on a replacement-as-new basis, subject to valuation.
Business Interruption
One of the most critical covers for law firms.
Provides protection against:
- Loss of income following fire, flood or insured damage
- Additional costs of working
- Temporary relocation costs
Indemnity periods can be tailored to reflect:
- Case backlogs
- Court deadlines
- Client service obligations
Loss of Documents
- Physical damage to files and deeds
- Costs of restoration or reconstruction
- Coverage aligned with regulatory expectations
This is often overlooked in standard office policies.
Money & Theft
- Theft from premises
- Limited cover for money on site
- Alignment with client money handling procedures
(Designed to sit alongside PI, crime and cyber cover.)
Employers’ & Public Liability
- Employers’ Liability (statutory)
- Public Liability for visitors and clients
- Claims arising from office-based operations
(Designed to sit alongside PI, crime and cyber cover.)
What This Policy Does NOT Replace
Solicitors’ Office Insurance works alongside, not instead of:
- Professional Indemnity Insurance
- Cyber Insurance
- Management Liability Insurance
- Crime / Fidelity Insurance
SRS Insurance ensures these policies work together without overlap or gaps.
Common Problems with Generic Office Insurance
We regularly see solicitors with:
- Inadequate business interruption limits
- Incorrect occupation descriptions
- Exclusions affecting professional environments
- Claims delays due to lack of sector understanding
A bespoke approach avoids these pitfalls.
Who This Office Insurance Is Designed For
- Solicitors’ practices
- LLPs and partnerships
- Sole practitioners
- Multi-office law firms
- Conveyancing and litigation practices
Cover can be arranged for:
- Owned premises
- Leased offices
- Serviced or shared buildings
Why Choose SRS Insurance
SRS Insurance is a UK-based, FCA-regulated insurance broker with experience arranging cover for professional firms.
We provide:
- Bespoke office insurance for solicitors
- Sector-specific insurer access
- Clear advice on policy structure and limits
- Claims support and insurer liaison
We understand how office insurance fits within a law firm’s wider risk framework.
Frequently Asked Questions (FAQ)
It is not mandatory under SRA rules, but it is strongly recommended and often required by landlords, lenders, or business partners.
Yes, physical loss or damage to documents can be insured, subject to policy terms.
Yes. Even short-term closure can seriously impact client service, deadlines and revenue.
Yes. We often align office insurance with PI, cyber and management liability policies.
Speak to a Specialist
If you’re a solicitor or practice manager and want office insurance that genuinely reflects how your firm operates, speak to SRS Insurance.
A short review can identify gaps that standard policies miss.
Contact SRS Insurance today to discuss bespoke Office Insurance for your firm.
Make sure your insurance protects your accreditation — not jeopardises it.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.