Office Insurance

When it comes to office insurance it is important to carry liability insurance this coverage cover if you are found negligent for property damage or bodily injury to a third party – your client.  This coverage responds to your legal defense and settlements made against you. Next is property insurance, if you own your office building you will want to make sure it is properly covered. Unlike home insurance, your property insurance does not automatically include coverage for your office equipment and contents, items such as your photocopier to your favorite pen and is something that needs to be added. As a professional, you may be part of an association that provides professional liability insurance.  This is coverage for the decisions you make that affect your clients. However, the professional liability does not include coverage for your business assets or general liability exposures. Office insurance is often available on a package basis.  This means in addition to the important core coverage’s you will also get a ton of add-on coverage’s that can help in the event of a major loss to your business.