Office Insurance

Every office is different, which means that there's no one-size-fits-all office insurance policy available. Depending on the nature of your office, an office space insurance policy can cover commercial liability, personal property, company vehicles as well as equipment, and much more. Some packages are customizable to cater to unique businesses, and this is where a licensed insurance broker comes in.

In general, there are several types of office insurance covers which include:

General Liability Insurance

Also known as Commercial General Liability, this office insurance coverage is the most basic and a must-have by law requirements if you own a business. It covers;

• Expenses for bodily injury and personal injury claims against your organization
• Costs for property damage claims against your organization
• Administrative fees for managing covered claims
• Court expenses and settlements for covered claims

Workers' Compensation Insurance

Workers' compensation, also called workers comp, covers any illnesses and injuries incurred at your office. This policy pays for medical treatment costs, replacing lost wages and rehabilitation. Most states require offices with at least one employee to have a workers' compensation insurance policy. Your insurance provider protects your employees from any on-the-job illness or injury by paying for any losses incurred as a result.

Business Owners Property Policy

The Business Owners Property Policy covers office and storefront property damage and losses due to natural disasters, fire, vandalism explosions, burst pipes, theft, and vandalism.

Commercial Auto

Commercial auto insurance covers damage to your organization's vehicles and other automobiles. It includes collision coverage for trailers, cars, motorbikes, delivery trucks, or other business vehicles.

Omissions Liability Policy

This policy covers errors, negligence, misrepresentation, inaccurate advice, violation of good faith, and fair dealing. Depending on the policy's terms, an omissions liability insurance policy may also cover privacy violations that can threaten your organization.