Office Insurance

Building Coverage

Protects your building and on-site structures, machinery, equipment, floor coverings, outdoor furniture, garages, fences and additions under construction.

Optional Coverage Increase Available For: Other appurtenant building structures on premises, lobby and hallway furnishings, walkways, patios and signs, fences, exterior and interior building glass.

Improvements and Betterments Insurance

If you rent your office space and you made improvements this will cover loss to those improvements. Protects you against damage or destruction of improvements or betterments made by you (the tenant) in a property not owned by you.

Business personal property

Protects business personal property, such as furniture, fixtures, machinery or personal property of others that is in your care.

Property off premises

Coverage for property while off premises such as equipment to deliver goods.

Valuable papers

Protects your valuable papers and records in case they are damaged. It can also cover the cost of reproducing them.

Accounting Restoration

Covers the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollected as a result of the destruction of accounts receivable records.

Leased property

(e.g., computers, copy machines) - May be included in Business Personal Property coverage and limit

Telephone Fraud

Covers amounts you're obligated to pay due to fraudulent use of your business telephone by a non employee.

Money and securities

Protection for the theft, disappearance or destruction of your money.

Money orders & counterfeit paper currency

Protection against loss due to counterfeit paper or forged / false money orders

Personal and Advertising Injury Coverage

Insures against injury, including consequential bodily injury arising from oral or written publication of material that slanders or libels a person’s or organization’s goods, products or services, the use of another’s advertising idea or infringing on another’s copyright, trade dress or slogan in your advertisement.

Employee dishonesty

Protects the loss of money, securities and property from the fraudulent act of an employee.

Business Auto

Covers damage to your vehicle(s), damage to the property of others and injury to those involved in an accident.

Non-Owned Auto coverage

Provides coverage for your employee's auto while the employee is using their personal auto in your business. or power outage.

General Liability

Covers medical expenses, attorney fees and damages when you’re legally responsible.

Professional Liability

Sometimes called Errors & Omissions Insurance. Provides protection for defense costs, regardless of fault, and protection for judgments and court costs for any individual or business rendering an opinion, making recommendations, designing solutions or offering a service.

Medical Payments

Covers medical bills of people injured on your property or as result of your operations. Unlike other liability coverage's this one pays out immediately and without determination of fault.

Workers Compensation

Covers medical cost for an injured employee. Also may pay out partial lost wages if injury causes employee to take time from work.