Office Insurance

You tell one of your employees to make a quick trip up to the grocery store to get some more coffee. On his way he gets into a car accident and causes injuries to the person in the other car. The injuries were bad enough that they hired a lawyer. Since your employee was running an errand on company time for the business, your company is also named as a defendant in the lawsuit.

The floors in the lobby where just waxed and looking great. Since it’s snowing outside they did get a little wet from people walking in and out of the building. A customer who comes in to make her payment slips and badly injures her back.

One of your employees left their space heater on overnight which caused a fire. Not only did office equipment get damaged but also customers files. It’s going to take at least a week to replace the damaged equipment.

Are you covered?

Insurance isn’t always simple.

Insurance isn’t always simple. Having an independent agent on your side means you have a policy catered specifically for your business. And as your needs change, we can change right along with you.

Business - Office Insurance Coverages Explained:

General Liability: This insurance helps protect your business from claims of:

  • Bodily injury which includes customer slip and falls
  • Costs for property damage claims against your business
  • Medical expenses if someone gets injured at your company
  • Advertising injury claims against your business
  • Administrative costs to handle covered claims
  • Court costs, judgments, and settlements for covered claims
  • Court costs, judgments, and settlements for covered claims

Commercial Property:  Provides protection for your buildings, business personal property, and property of others

Business Income Insurance: helps cover your lost income if you can’t run your business due to covered property damage or loss, like a fire or storm.

Inland Marine:  Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools, and other items.

Commercial Umbrella: covers large liability losses that exceed the limits of the underlying general liability policy.

Optional Coverages:

  • Cyber Liability: In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages, such as data loss expenses, lost income, and personal identity recovery expenses.
  • Employee Dishonesty:  Covers your business for employee theft of money, securities, and other tangible property.
  • Employment Practices Liability (EPL):  Covers wrongful employment acts such as discrimination, harassment, and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
  • Professional Liability: We offer professional liability for many different professions.
  • Commercial Auto: Covers vehicles you own and use for your business.

Common Ways to Save:

Multiple Policy Discounts

Having 2 or more lines of insurance with the same carrier can offer big credits.

Payment Plan Discounts

Many carriers offer discounts for paying in full or on an automatic pay plan.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Favorable Loss History

Receive a lower premium for favorable loss history.

Interested in a Quote?