Office Insurance for Professional Office Businesses

When it comes to commercial insurance, the coverage you choose matters. Consider our Business Owners Policy (BOP), which combines property and liability coverage in one comprehensive package. Property insurance is critical protection if your business suffers a loss to its tangible assets. Liability insurance can help protect your business if it is legally liable to another party for certain types of loss or damage.

Rest assured that our BOP policy's coverage options can help you protect your business in the event of many different types of loss.

BOP Property Insurance Coverage Advantages

• Damage to computers, data, and software, including computer virus
• Loss of business income – actual loss sustained
• Loss of business income due to damage to off-premises utilities
• Employee theft
• Water back-up from sewers and drains
• Fine arts
• Outdoor property like signs, fences, lights, and hardscaping
• Outdoor trees, shrubs, and plants
• Ordinance or Law – additional repair costs to meet current building codes
• Hired and non-owned automobile liability
• Earthquake coverage (location restrictions may apply)
• Business personal property off-premises

Liability Insurance Advantages

• Broad named insureds
• Coverage for additional insureds stipulated in a written contract
• Newly formed/acquired entities
• Temporary workers included as insureds

Workers Compensation insurance – sometimes called Workers Comp insurance – is critical for professional offices that employ one or more individuals. This coverage is often legally required, and helps cover medical and lost-wage expenses for employees who are injured on the job and provides protection for your business against lawsuits resulting from such injuries.

If your employees use a company car or their personal car for business purposes, your business could be liable for injuries or damages as a result of an accident. That’s why you should have Commercial Auto Insurance for your professional office. Commercial Auto insurance covers risks beyond a Personal Auto policy in the case of personal car use, and helps cover the cost of damage or injuries involving your vehicles.

Umbrella Insurance provides protection above and beyond what’s afforded under your Commercial Package Policy. With Umbrella coverage in place, your business will benefit from an additional limit of liability and coverage from certain exposures not included in your primary insurance policy.