Office Insurance

Office Insurance is business insurance that provides comprehensive coverage for professionals that work from their home office or run a business in a leased space. If you are an independent contractor, your home insurance policy may not provide adequate coverage for your home office. Ensure that you have protection against insured loss in the event of personal injury or property damage claims. 

Office Insurance is mandatory in most places if you operate a business from an office space. It protects your office property and contents, provides financial protection if your business operations are interrupted, and covers for crimes, including employee dishonesty, theft, or fraud.

Office Insurance commonly provides the following coverage:

• Commercial General Liability Insurance (CGL): As someone occupying office space, CGL protects you against lawsuits, personal injury, or property damage claims. CGL coverage also covers medical payments resulting from bodily injury and legal fees incurred. You can expect to find Non-Owned Auto, Hired Auto, and even Products and Completed Operations coverage in the policy.
• Business Contents: Whether you own a home office or lease a business office, this coverage provides financial backing for direct property damage and losses to office contents including laptops, equipment, inventory, and fixtures.

We can also include additional coverages that are not included in the Office Insurance package, including:

• Business Interruption Coverage: This coverage reimburses you for lost income when your business activities halt due to disasters.
• Crime Insurance: Crime coverage protects against crimes including employee dishonesty, fraud, and theft.
• Professional Liability: This insurance coverage protects against third-party liability claims regarding actual or alleged negligence in providing professional services.
• Valuable Papers and Records: Your important documents such as corporate charters, wills, and trusts will have coverage.

The Office insurance cost will depend on your business-specific factors, including:

• Annual and Projected Income
• Applicant Details
• Deductibles
• Specified Coverage
• Number of Employees
• Office Contents
• Policy Terms and Limits
• Services offered
• and more

Complete our online insurance application to get your free quote emailed within minutes! Get same-day coverage for your Office Insurance package for an affordable price.

While Office Insurance coverage covers policyholders and the office space from risks, the insurance policy does not cover perils including:

• Intentional damage and illegal acts by the policyholder
• Wear and tear with regular usage
• Mechanical or electrical breakdown
• Acts of war and nuclear explosions

However, it is possible to include some of these exclusions under other insurance policies. If you have any office insurance policy questions, simply reach out to us!