With business insurance, you really only have two choices. You can either buy a packaged product, designed specifically for your industry or business activities, or a bespoke, more specialist product where you pick and choose the sections of cover.
Look around most high streets in the land and the types of businesses you see (retail, licensed trade, restaurants etc) will usually be suited to a package product. Then go to an industrial estate or commercial area and most of the businesses will probably be covered under a commercial combined insurance (or bespoke contract).
Office insurance is no different and you can get a competitively priced policy from most brokers or insurers. You do need to exercise some care though, the cheaper the package and there is more potential for restrictive terms to apply.
Here in Scotland, in February 2010 it is snowing yet again. What this means is that many employees of businesses are working from home, utilising modern technology to keep in touch. You need to make sure that the employers liability section of your policy specifically covers those who choose to work from their home address. In addition, if they are using a business laptop or Blackberry style device, is this covered if it is lost or damaged away from the main office premises? You should never assume something is covered, it is always worth checking.